23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

A payment of {$17000.00} was posted to my account by a third party. I called Bank of America and specifically asked if this payment had cleared and if there was any way said payment could bounce. I was assured that it could not. Based on Bank of Americas reassurance to me, I wrote a cash advance to said third party for {$16000.00}. Subsequently, the payment that the third party put on my account bounced. Bank of America is insisting that I repay the {$16000.00} despite me informing them that but for their reassurance that the payment wouldnt bounce I would never had issue the cash advance check. Ive tried repeatedly to resolve this matter and to try and get Bank of America to accept responsibility for this misleading me to no avail. 

Anything that you can do to assist me, will be greatly appreciated. Thank you.
Product: Mortgage

On XX/XX/XXXX I was included in an email with the insurance agent the mortgage company chose. The mortgage closer asked the agent to set up insurance and gave her my indentification, property address and the coverage I needed. The agent provided an EOI dated XX/XX/XXXX. I closed on my home XX/XX/XXXX and I did not have insurance. On XX/XX/XXXX I attempted to file an insurance claim on the insurance listed on the EOI and I was told by the agent I did not have coverage at all. The mortgage company failed to validate the coverage, failed at requesting a declaration page and put my identity at risk. The mortgage company was fully aware that this agent had already committed fraud to another client in XXXX. They still continued to put clients at risk.
Product: Bank account or service

I received a call today from Central Mortgage Company today telling me they had not received my XXXX or XXXX payment. this is the 3rd call in the past week. I told them my new mortgage loan was with guaranteed rate and the mortgage payment to them was cashed by my credit union on XX/XX/XXXX. They said my loan was reassigned and i needed to get the money back from guaranteed rate and pay central mortgage or i would be subject to late fees and adverse credit consequences. When a loan is reassigned are n't they obligated to forward the payment? Is this follow up my obligation?
Product: Credit reporting or other personal consumer reports

We have closed our Mortgage back in XXXX. There was a miscommunication on payment due to refinance. They have removed from only XXXX and no TransUnion or XXXX damaging our credit integrity. We would like the reports removed from both myself and my wife as they are erroneously renewing the entries past tue fair credit report act. 

We are having to pay a XXXX XXXX XXXXr to resolve this.
Product: Credit reporting or other personal consumer reports

Why is it for years i have never been late on payments and Carry no balance but my credit score stays the same, what legal action may I take to investigate this. The credit score agencies are out of control.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns and to follow up regarding multiple unsuccessful attempts to remove fraudulent items from my credit file. I have attached relevant documentation, including previous dispute letters and supporting evidence, for your reference. I first contacted the Credit Bureaus to dispute the presence of fraudulent items on my credit report. These items are inaccurate and needs to be removed. I provided evidence supporting my claim that these items are indeed fraudulent and should be removed from my credit report. Despite my repeated attempts, the fraudulent items continue to be listed on my credit report, negatively impacting my creditworthiness. I believe that this situation is not only affecting my financial well-being but also causing me undue stress and frustration. I request that you take immediate action to investigate these fraudulent items and remove them from my credit report : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

i have faxed proof for payment. on accounts. XXXX account goes back as far as 2011 paid. still showing not paid late. i have documents to mail of fax to you .please help this is not fair.
Product: Debt collection

I never received this medical bill, this collection company sent this {$100.00} medical bill to collections and now it ruined my credit score. As of XX/XX/year>, Medical debt under {$500.00} should not show up on credit reports. This is a repulsive act by this collection agency to ruin someones credit over {$100.00}. I would have paid it, if I received the bill. It lowered my credit by XXXX points. 

Thank you
Product: Credit reporting

Credit inquiries : XXXX TransUnion CUSTOMER SERVICE would not help and take care of the negative inquiries reporting to my credit report.
Product: Debt collection

I have several accounts with CMRE financial, i was XXXX  every single month for a year and couldnt hold a job bc of the XXXX. While in the XXXX, i applied for financial assistance with every hospital ( all a XXXX XXXX XXXX ) and was granted assistance. So im terms my bill was paid for. 
While looking at my credit report, there are several accounts with the same dates that are reporting different amounts. I have tried to call this company and they will not return my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the balance. They sent me a letter saying I still owed money and was 60 days late. I then paid the amount they say I owed and will still not remove the 60 days late.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several times along with written letters as well as online disputes. I have informed them that I have been a victim of identity theft. They have refused to send me evidence of information being verified. Along with I have also told them that creditors such as XXXXXXXX XXXX XXXX claims they do not report to the credit bureaus, which is a lie because they are clearly reporting on my credit report also the fact that I told them that it isn't my account and needs to be removed immediately. Also I have called and disputed the ridiculous amount of XXXX inquiries. I have sent them a letter telling them that according to 15 U.S code 1681 I didnt give permissible purpose for the following items to be reported on my credit report let alone I was a victim of identity theft. 
So these items need to be deleted immediately. 

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

There are seven student loans that don't belong to me I have not applied or signed for these loans I have not been in school for years and years I have no idea who applied or ruined my credit I need these off my account and credit report asap. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6500.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$13000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$20000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$6000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I applied to have six loans I had with XXXX  XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX  XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XX/XX/XXXX showing the loan balance as XXXX but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with XXXX  but they did nothing but remark my account.
Product: Credit card

Barclays bank Delaware made an inquiry on my credit report with out my permission. When contacted they said there was no record of me and that the inquiry should not have taken place. They would not assist me in getting the inquiry off my credit report.
Product: Debt collection

I formally request the deletion of this inaccurate account from my credit report. I did not authorize its creation or use. Enclosed are the documents to substantiate my claim.
Product: Debt collection

Portfolio Recovery Associates is trying to collect a {$1700.00} debt thats invalid and is trying to collect this account which the statue of limitations in California is expired at well. According to California Code of Civil Procedure 337 ( 1 ), the statute of limitations for a written contract is four years. Under 339 ( 1 ), the limit for an oral contract is two years.On my XXXX, XXXX and XXXX Credit report this invalid account reported its delinquency on XXXX XXXX. I do not owe this debt nor is there a contract with my signature stating that this is valid. A bill or other forms are not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I mailed out letters to all three credit agencies Transunion, XXXX and XXXX stating that I did not recognize several inquiries on my credit file which is unauthorized use of my social number/credit card. These unauthorized inquiries were furnished up to my consumer report without my consent. These agencies did not comply with their own policies in a timely manner with responding to my complaint within 30 days.
Product: Credit card

Please read attached. Capital One just charged again more fees and interest and a fake payment and payment adjustment to get more interest and fees is FRAUDULENT CREDIT CARD TAKE OVER. Both Capital One cards # XXXX & # XXXX CARDS ARE CLOSED XX/XX/2023 because Capital One committed credit card FRAUD. 
Capital One is to remove all negative entries on all my credit reports. NOT FCRA.
Product: Student loan

On XX/XX/19, I received a call from a number that said I was eligible for loan forgiveness because I'm a XXXX  XXXX XXXX ( which I am ). I called the number back because I have heard of this program, and I was interested in more information about it. The man on the line told me that my federal loans were sold to a private company, XXXX XXXX, and that XXXX XXXX was charging me much higher interest than I actually needed to pay so that XXXX XXXX could profit. They told me that their company, Student Financial Loan Assistance, was connected with the Department of Education, and I believed them. They gave me a timeline of payments ( 3 payments of {$390.00}, 9 payments of {$200.00}, 120 payments of {$99.00} ). I gave them my bank account information and at their behest, cancelled my auto-pay with XXXX XXXX. After I considered this for a couple weeks before realizing ( luckily before it was too late to make a payment to XXXX XXXX ) that this seemed really suspicious. I contacted XXXX XXXX XXXX, and they essentially told me it was a hoax. My case number there is XXXX.
Product: Debt collection

I checked my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancies : XXXX XXXX XXXX XXXX XXXX/ {$82.00} / XX/XX/2022 XXXX XXXX XXXX/ {$1300.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that XXXX  and TransUnion report my auto lease as delinquent. I verified my payment history and all payments are made on time and in full amount. 

Yesterday I called XXXX XXXX XXXX to validate this report and they told me that in their systems no such record of delinquency exist. 

My wife score dropped with more than 60 points as well as mine. We are suffering consequences of this actions and would like to request your help investigating where XXXX  and TransUnion get their data and how and why they report false information and ruin our financial standing. 

Kind regards, XXXX
Product: Credit reporting

I was a loan modification process with XXXX. I sold my home in the midst of this process. Never once was I informed with any paperwork or verbal conversation that I was in " foreclosure! ". I sold my home on XXXX/XXXX/16. XXXX is has reported to credit bureaus as " foreclosure '' and just as recently on XXXX/XXXX/16 a missed payment??? I have tried numerous times to contact them and I never get a response!! XXXX is damaging my credit and it needs to be removed immediately. I can support my situation with the letter I begged to receive from XXXX showing PAID IN FULL. Please help!! 
Thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$8700.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called in and the rep advised that I can make a payment of {$42.00} by XX/XX/XXXX to avoid being reported late to the credit bureau. THE REP DID NOT SPECIFY A CUT OFF TIME!!! The rep was providing me information that is not on my statement, I should not have to go back and look at the statement to clarify the time. THE REP SHOULD HAVE ADVISED ME OF THIS!!!. I logged in just as she advised and made my payment on the XXXX! I have spoken to XXXX at the Executive offices of Discover and the company has acknowledged that I was not given a cut off time, however, they are not honoring this. Discover also has record that I logged into their system on the XXXX and made the payment as directed. The company is using me as a test dummy to train employees, this is bad business! I was given information that I followed that has negatively affected my lively hood! This needs to be corrected immediately, if this is not corrected I will have to proceed with legal action!
Product: Debt collection

I disputed items inaccurate on my credit report. Mainly debt not owed, or duplicated debt that shows paid off, and new debt from the same company appeared almost a year later. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Product: Debt collection

1. I was 'served ' a Summons and Complaint with the statement " You are being sued. " ; however, there is not lawsuit filed against me. The person delivering the document said, " You are being served. " ; however, in reality I was not being served actual legal documents. I was handed a document that looks like a court document. Their document should have stated they were intending on suing me, especially if I do n't answer their 'summons and complaint. ' Instead they made it look like a court document to use it as a means to intimidate and scare me. There is no court file no listed on the forms nor is it listed as an active case against me on the website for XXXX Trial Court Public Access : XXXX. ( Fair debt collection practices act, 807, 2A, and 812 ). 

2. When I was 'served ', the documents with my personal information were not enclosed in an envelope and this a violation of my privacy rights according to FDCPA. 

3. The company that is threatening me is located in XX/XX/<YYYY> and I am requesting from the company that they are in fact licensed to collect debt in Minnesota.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, There are certain hard inquiries on my credit report which I have not authorized. I contacted Equifax and they told me that they will dispute but never did.
Product: Debt collection

I obtained a tenant to take over my lease at XXXX XXXX XXXX and paid for a month of rent in XXXX of 2021 but the girl taking over the lease also paid for the whole month of rent for XXXX of 2021 so I spoke with the property manager over the phone and she told me that instead of my paying the {$220.00} lease takeover fee, she would use my double payment for the month of XXXX to just use as my fee for getting someone to take over the lease. Shortly after she promised me this ( there are phone records of this ), the property manager quit and the apartments were taken over by new management. I have been in contact with them and they have admitted fault and that it was mistakenly never used to cover my fees and mistakenly sent to collections but they wont deal with it since its already in someone elses hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have violated my rights. 
15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to him of information reported about him to third parties violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy when preparing a consumer report ( 15 U.S.C. Sec. 1681e ( b ) ) and by failing to conduct a reasonable reinvestigation of my dispute ( 15 U.S.C. Sec. 1681i ( a ) ). 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer
Product: Checking or savings account

My account was frozen for 3 years with a positive balance FROM AN ACH DEPOSIT. There was an investigation and my account was deemed none fraudulent. Under ACH REGULATIONS THE ORIGINATOR HAS TO REQUEST THE FUNDS BACK under CERTAIN ACH FEDERAL GUIDELINES AND TIME FRAME. 3 years later the originator has not requested the funds back. I asked for my account to be unfrozen and funds be released to me. PNC told me they are keeping the funds until the originator request them back. PNC debited my account for all the funds and said they will hold them until the originator request them back. That will never happen. If the account was deemed NONE FRAUDULENT AND THE ORGINATOR HAS NOT REQUESTED FUNDS IN 3 years and can not due to ACH REVERSAL TIME FRAME why not RELEASE FUNDS TO ME PRIMARY ACCOUNT HOLDER. I have done nothing wrong. PNC IS USING THERE POLICY TO KEEP THE MONEY instead of releasing it to me the primary card holder
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called in several times to Equifax and they have NOT received this information I 'm exhausted and really want to get this matter settled. The collection agency sent this information tot them back in  XXXX  of  2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted when my social security card getting stolen and I saw a list of derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. I have never given authorization to open any of these unknown suspicious accounts. 

XXXX XXXX {$46000.00} XXXX  XXXX XXXX XXXX {$58.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$1200.00} DEPTEDXXXX XXXX XXXX {$1300.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2600.00} DEPEDXXXX  XXXX {$1000.00} XXXX XXXX XXXX {$1100.00} XXXX/XXXX  XXXX {$170.00} DEPTEDXXXX   XXXX {$0.00} DPT ED/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}