23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I would like to report a concerning discrepancy between my payment made in full to Bank of America 's debt collections service company, XXXX XXXX XXXX, and lack of payment confirmation from Bank of America. My credit report incorrectly indicates that my {$8500.00} Bank of America debt was, " charged off. '' This information is incorrect as I provided my account number and my bank 's routing number to XXXX XXXX XXXX with the understanding that they would pay off my debt, update the credit report and expeditiously notify Bank of America of my payment status. Bank of America provided me with a secure credit card after enduring a difficult and unexpected financial period. Unfortunately, during the COVID-19 pandemic, I fell victim to identity theft, cybercrimes, and fraud. I keep in contact with Bank of America to ensure I upheld by my customer responsibilities, and integrity as a loyal law-abiding consumer. For the record, the Bank of America team was accommodating, and provided me with options to resolve the unprecedented dilemmas that arose during the COVID-19 pandemic. For security purposes, I closed the account with the intention of reopening an account at a later date. On XX/XX/2022, I happily made a payment, in full, to Bank of America, through the debt collections service company, XXXX XXXX XXXX XXXX, XXXX. On XX/XX/2022, XXXX XXXX XXXX withdrew the total amount of {$8500.00} from my checking account. I felt the weight lifted off my shoulders and was relieved I finally paid off my debt to Bank of America. Unfortunately, to date, my payments to Bank of America via XXXX XXXX XXXX are still not reflected on my Bank of America account, nor have been updated on my credit report. My credit report incorrectly indicates that my Bank of America debt was, " charged off, '' which is false and derogatory information on my credit record. I provided my account number, routing number and payment in full, via phone to XXXX XXXX at XXXX XXXX XXXX. I am concerned my payments were misappropriated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. So TransUnion feels they're above the letter of the law & will not explain their policy... 
I have always made my payments on time. For some reason, I realized that there were a late payment on my credit report. The confusing part for me is it doesnt reflect anything except XXXX, XXXX and XXXX days past due. Ive never been behind on my payment. I tried contacting the TransUnion Credit Bureau and the following accounts they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late on these accounts. Investigate properly and please update for 100 % accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, XXXX XXXX MO XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Fraudulent Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate these claims adequately. They informed me that recovering lost funds was impossible and that tracking. these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I sent dispute letters via Certified Mail to XXXX, TransUnion, and XXXX in XXXX of XXXX. However, I did not receive a timely response from either bureau regarding my inquiries. In addition, I received return receipts well beyond the time it took to receive them. It is possible my inquiry was ignored and I have yet to receive results from the disputes sent in XXXX XXXX XXXX XXXX. I have waited an extensive amount of time for a response but none was given. I have receipts of the Certified Mail sent.
Product: Checking or savings account

On Friday XX/XX/2019 I submitted to Key Bank a certified original copy of an order that was approved by a judge in the Supreme Court to have funds released from a guardianship account in the amount of {$10000.00} for the maintenance and educational support of my daughter. 

The representatives at Key Bank including the branch manager told me it should be a few days because the legal dept needs to review the letter, however after 1 week went by I called the bank to check on the status of the withdrawal and their words to me were that " they need to make sure the language of the approval is correct. 

The following week, I was told by a representative over the phone that they had to make sure that I did not falsify the documentation.

In addition, the keybank representatives have not been forthcoming about what else would be needed, and when the funds could be accessed. 

To this day I have yet to hear from any of the representatives even after calling them several times and when I do call I just get shuffled around.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX put a inquirie on my report and I have not applied for credit not signed any legal document to run my credit and I have a alert on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for Transunion, NO REPORTING for XXXX, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail. 

XXXX XXXXXXXX : Account number : XXXX, XXXX reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for Transunion, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail.
Product: Mortgage

I have a HELOC w/ Wells Fargo Bank . While out of the country on business XX/XX/XXXX. and XX/XX/XXXX I missed the notice to renew my home owners insurance policy from the insurance company. When I returned I renewed my coverage but not before there was a lapse in coverage. 
Wells Fargo sent me a letter requiring me to demonstrate the property was covered by adequate insurance coverage and although I had the coverage I was not inclined to immediately demonstrate it to Wells Fargo so they can earn a risk premium on the HELOC when they incur no risk. XX/XX/XXXX, after having received several warning letters from Wells Fargo, I called them but was told I would need to fax ( NOT scan and attach to an email message ) the proof of insurance. I visited a local branch and they assisted in faxing the proof of insurance to Wells Fargo. Thereafter I received another letter fm Wells Fargo notifying me that they had purchased an insurance policy for my property since I had failed to demonstrate proof of coverage. I returned to the branch on XX/XX/XXXX and we again spoke w/ the contact provided and again faxed the policy since they had no record of having received the first fax. I was assured that I would receive a letter in several days. 
On XX/XX/XXXX I received another letter informing me that I have been charged a prorated portion of the imputed insurance premium for the period of time where there was a lapse in coverage. Although much less that the larcenous rate I was first quoted of {$3200.00}, I was told that I owe now owe {$670.00} for the coverage. ( My coverage for the entire year costs {$910.00}! That they could not negotiate a premium w/ their purchasing power demonstrates to me that there is no 3rd party insurer but rather this represents an imputed amount att he maximum rate they feel they can pass along. ) Wells Fargo is requiring reimbursement for an imputed premium for a period of historical time where there is no liability. I could understand if I did not have coverage and could not demonstrate it going forward, but to impute it retroactively is nothing but a money grab!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan today XX/XX/2021 and I was not approved because apparently there are some accounts reflecting badly on my credit report. The accounts are from several different companies all of which I do not have any contract or agreement with. The accounts listed on this report do not belong to me nor did I benefit anything from them being opened in my name such as money, goods, services or any other benefit. I also did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Debt collection

I am a documented victim of identity theft with police reports, FTC report, and other legal documents. FBCS Inc is illegally trying to collect on a fraudulent account opened in my name, by the original creditor XXXX XXXX  XXXX, which violates the FCRA. The account has a balance of {$2700.00} ( account ending in XXXX ). I have contacted both FBCS Inc, and the original creditor XXXX XXXX XXXX by mail and by phone numerous times, and have included my XXXX XXXX police report from XX/XX/2022 as well as other supporting identity theft legal documents. This fraudulent identity theft account need to be removed from my credit reports immediately or further legal action will be taken as I have documented each point of contact with the creditor for supporting evidence. Please see my legal documents and police report attached.
Product: Mortgage

On XX/XX/XXXX I received a letter from the mortgage company claiming that my 'Condominium Unit Owner 's Policy expired ' and they 'do not have evidence that you have obtained new coverage. ' Because of this, they 'plan to buy insurance for your property. You must pay us for any period during which the insurance we buy is in effect but you do not have insurance. ' ( full letter attached ) I was shocked and scared for about 5 minutes  before I checked my policy, which is valid from XX/XX/XXXX to XX/XX/XXXX. I presume the reason the letter arrived is that my mortgage was sold and CMC did not have their name on my policy. After I had my insurance company add them they sent another letter XX/XX/XXXX stating 'the condo coverage we ordered on your behalf has been cancelled. Please make certain that you or your insurance agent or carrier provide ( s ) us proof of acceptable insurance on a timely, annual basis. ' ( full letter attached ) I believe the wording in these letter is unnecessarily threatening, and blames me for not providing them updated insurance information because my mortgage was sold, when I have absolutely no control over these transfers. Furthermore, having to contact the insurance company to add them, wait for a reply, then submit the documents to the mortgage company wasted about 20 minutes of my time.
Product: Mortgage

my contract with XXXX XXXX was transfered to carrington mortgage a couple of months ago, a mess. my payment was XXXX per month, alot of money, but we could handle it. we got our bill for XXXX and it went up tp XXXX, quite a jump. i was told for escrow, but my insurance co has not told me any thing about such an increase and since i sign up for home stead exemption, its not my tax. seems funny, they wait until allt the interest rates go up, and then pull this.i dont like being messes over and that is what they are doing. i ask them what do i have to do to get my payments back where they were were. you cant was thier answer. i cant afford thier XXXX so i really would appreciate your help. i am XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, i gave my country 18 months and almost died therte and i dont deserve this XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early  warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acciunt # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY
Product: Credit card or prepaid card

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This just proves that 3 Credit Bureaus are lack proper record keeping. Now, this account is reporting to be late, and the balance is XXXX. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was already paid. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise correct or update this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  The credit bureaus was properly investigated but how that possible when open and end date, account information, address, amount is inaccurate and late date reporting is no accurate This is grounds for removal they have also violate me under XXXX XXXX XXXX  According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy.

According to 15 USC 1681 Section 604A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report.

According to 15 USC 1666b ( A ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I wrote a letter asking for the payment history to be corrected. XXXX XXXX refused to correct the payment history please see attached
Product: Checking or savings account

I opened this savings account as a condition to a loan I received. I kept the account open after the loan was paid just to have an extra savings spot. I attempted to transfer to my external account on Monday and was prevented due to a limit that was now placed on my account that it never had before and without warning or notice. 
I was given the run around and lied to numerous times by 5 different representatives & supervisors about withdrawing my money from branches in which I was also unable to do. At this point I just decided to just close the account rather than let them hold my money XXXX. 
I requested that a cashiers check be sent to me overnight via XXXX which was XX/XX/24. 
Today is XXXX and I still dont have my funds. Upon calling for a status update I was just told that they made Another Mistake by sending my cashiers check via regular mail with no way to track it because they dont get receipt 's from the postal service, and let me clarify that were talking about over $ XXXX which would normally require some sort of mail insurance, yet they charged me {$22.00} TWICE for the XXXX service on Monday. The only solution being given is to prolong the situation further by stop payments, form request, and re-issuance of the checks. How does that benefit me or make me feel better when my bills are due? So now my credit rating will be damaged to to not being able to pay my bills on time. In final Ill say that every last person I spoke to was incompetent, rude, and unprofessional. 
This institution couldnt be located on the NCUA research data base.
Product: Debt collection

I checked my credit report with all three credit bureaus and saw on XXXX several collections account I didnt open. Hard and soft inquiries I didnt authorize!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint against the credit bureaus. Now they are asking for proof of who I am so I am sending it. I feel they are stalling and trying to by time I have attached my lease agreement and SSN card that should be proof enough.