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

I was astonished once I looked at my XXXX XXXX XXXX XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2011 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Checking or savings account

This new complaint is in reference to XXXX I have filed recently with CFPB with Bank of america .

I have been a victim of fraud and identity theft si
nce last year. Recently I had some unauthorized withdrawals from my account. I followed the steps from the bank and I also advised them that I did file a police report for identity theft in which they did not bother to get.

I did speak to an employee at bank of america named XXXX XXXX on Friday XX/XX/XXXX he stated he worked in a " Executive position. He advised me that bank of america has me on cameras showing where I made these transactions. I did ask XXXX XXXX if he personally knows how I look or who I am and he stated no. I did ask him if he can use my Identification drivers license to compare the person in question and he stated bank of america does not have my ID on file.

I did ask for a copy to be sent to me in which he couldn't say yes or no that he will be sending the evidence. I did ask him if my Drivers license matched the description of the person in question and he did advise me that bank of america does not have a photo Identification of myself.

Due to the fact that I have been a victim of identity theft I highly believe that my identity has been stolen due to bank of america not having a tight security of my deposit account and falsely identifying myself without bank of america having a legal Identification photo of their customers. 

Bank of america will not give me my money back from withdrawals I haven't made during the time I was XXXX  and XXXX XXXXXXXX. 

Last paycheck bank of america XXXX garnished my money without notice to be sent via Mail or a phone call as stated by federal guidelines under CFPB " If the bank or credit union determines that the transactions were in fact authorized, it must provide you with written notice before taking the money that was credited to you during the investigation out of your account. 

Also bank of america failed to comply with CPFB for the 45 day time frame to complete its investigation that was initiated on XX/XX/XXXX also no notices were sent to me via mail as requested. 

I did advise XXXX XXXX XXXX if I can send a " selfie '' of myself and my Identification drivers license and he gave me a false email address to its " claims department as stated on our recorded calls. I also wanted to provide police report in which he did not seem interested in.

I did not want to post my medical condition due to embarrassment bit I believe they are saying I am lying about my recent diagnosis. I habe attached my FMLA with my doctor stating I can XXXX XXXX or work due to my XXXX XXXX. So how could I have made these transactions during my XXXXXXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report from XXXX  and XXXX and I was shocked to see a previously deleted fraudulent accounts were reinserted back to my credit file. The BMW Financial Services fraudulent account ( Acc no : XXXX ) and XXXX XXXX XXXX  ( Acc no : XXXX ) were disputed and deleted in XXXX of 2020. However, XXXX  and XXXX  reinserted the fraudulent accounts after a month without notifying me.
Product: Debt collection

Paid off both accounts XX/XX/XXXX that were BOTH ( XXXX XXXX XXXX ) included into the same case number XXXX XX/XX/XXXX at XXXX XXXX  I called Midland ( XXXX minute phone call ) to confirm BOTH accounts were paid in full and I requested confirmation by email, the man stated these have a XXXX balance and assured me my next automatic payment for XX/XX/XXXX would not be withdrawn. XX/XX/XXXX at XXXX XXXX  is my XXXX call to Midland ( XXXX ) after a withdrawal comes out of my checking account but my account was settled on XX/XX/XXXX and I was told that withdrawal would not be taken. I requested them to refund my account immediately Midland stated they would have to research and get back to me. I was getting the run around and nobody could give me confirmation by email. I had to call my bank and get them to stop payment on XX/XX/XXXX because it should not have been taken out. I have disputed with XXXX and they keep saying I owe them money on this account when I dont. If I owed them money why would the court system send me a Satisfaction of Judgment or Midland for that Matter? These people are hard to understand they are rude and can not answer simple common sense questions. I have been trying since XXXX to get this off of my credit report or atleast updated.
Product: Credit reporting or other personal consumer reports

Hello, As I was checking my business credit report I realized that there was an XXXX XXXX XXXX  account opened without my permission. 
the account number is : XXXX I did not open this account and it's being reported negatively to my business credit report. 
Please tell them to remove it. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION & XXXX, I HAVE SENT YOU BOTH MULTIPLE CERTIFIED LETTERS TO REQUEST TO UPDATE MY PERSONAL INFORMATION. YOU ARE WILLFULLY REFUSING TO DO SO. I HAVE SENT IN PROOF OF IDENTITY AND YOU STILL REFUSE TO UPDATE MY PERSONAL INFORMATION. IVE BECOME ABSOLUTELY STRESSED BY THIS PROCESS THAT I CONTINUE TO SEND MONEY FOR POSTAGE AND YOU BOTH STILL HAVEN'T FIX THE ISSUE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquires are reporting on my credit report from XXXX, XXXX, Experian, and from the companies listed below. The fraudulent inquires are damaging my personal credit. 

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

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

Fifth Third Bank seems to sent out different credit card sign up offers based on non-legal discrimination. My spouse and I have similar FICO score ( within 5 points ) above XXXX, live in same household, make similar income, similar amount of open revolving line of credit. We got same mailing for same TRIO credit card mailing with 2 very different sign up bonus : one at {$150.00}, and the other at {$350.00}. The card benefits and terms are exactly the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting XXXX  you have no Payment History listed on your report this is a violation of the FCRA! 

XXXX  You are reporting and Ok Payment On XX/XX/2019 Transunion you are reporting a 30 day late on XX/XX/2019 XXXX  Again you are reporting nothing. These accounts are inaccurate therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP CFBP I would Like for you to forward a copy of this Information to XXXX XXXX XXXX at XXXX XXXX HOUSE OFFICE Building Washington DC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX APPEARS ON MY CREDIT REPORT. WHO IS THIS PERSON? I HAVE NEVER HAD ANY AFFILIATION OR ALIAS OR ANY OTHER CONNECTION TO THIS NAME BUT IT STILL APPEARS.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within

24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i
, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence o a inorougn investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked inaccurate, Dept of EducationXXXX 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

Wire has been on hold with receiving bank for upwards of 6 months due to a claim being filed and requested a dozen times to be reviewed/cancelled by both myself and 3rd party . 

Funds remain on hold, I am out double the amount for having to pay 3rd party for goods received.

Each time you contact Bank of America, you get nothing. Im in a queue now. The customer service either give you nothing, refuse to help/transfer to a supervisor, it was only until a complaint was filed that i got a return phone call. That was 10 days ago in which they said theyd have a resolution. I call today and the service on the phone had ZERO updates and was so aloof on the phone, naturally, like the others, as if he couldnt care less that this has dragged on for months.

This is ridiculous. At this point, Ill seek legal assistance. Bank Of America is a constant runaround and offers ZERO help to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows this status - Account charged off. {$2500.00} written off. {$670.00} past due as of XX/XX/XXXX. 

They were paid off nearly XXXX by insurance. This does not reflect on write off amount XXXX was promised to be waived once insurance was paid which was never done.
Product: Debt collection

I received a call today from collection company Original Balance : {$19000.00} Current Principal : {$19000.00} Interest Due : {$110.00} Total Due : {$19000.00} COLUMBIA DEBT RECOVERY LLC DBA XXXX XXXX XXXX XXXX XXXX, WA XXXX I told the company this is fraud and they emailed me a fraud packet to fill out and email to them. I have been dealing with identity theft for a year now. I froze all accounts but still getting hit with collections from apartments that were opened in my name and information before I froze my accounts. 

ORIGINAL CREDITOR : XXXX XXXX I FKA XXXX XXXX I PLACED FOR COLLECTIONS ON : XXXX/XXXX/22
Product: Vehicle loan or lease

Bridgecrest is violating the law with misleading practices, unfair debt collection. 
15usc1692 Committing fraud with down payments 15usc 1605 Violating the law by giving my information to third party without my consent 15usc 1605 unlawful finances charges
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 3 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Product: Checking or savings account

A credit was issued to my XXXX checking account ending in XXXX in the amount of XXXX from XXXX XXXX on or around XX/XX/XXXX, the account is currently restricted from any withdrawals. I received a message from BBB ( Better Business Bureau ) in  regard to complaint filed against XXXX XXXX, the company that distributes XXXX XXXX merchandise. The merchant said they issued credit, this is as of yesterday. It has not posted as of today, XX/XX/XXXX, however, I will need a check this amount once it does. I've left messages for a XXXX XXXX at Capital One, she does not seem to return calls, two messages were left thus far and not one returned. Several items are in dispute currently including the item from XXXX XXXX, as well as others. I am currently working with merchants to resolve directly, I will need a check for any and all credits issued to account from companies in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB My name is XXXX XXXX and Iam writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with asimilar name to mine filed bankruptcy in the federal district and with US bankruptcy courts and it appeared on my credit report. Through XXXX, transunion and XXXX XXXX i filed a dispute stating that someone with asimilar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and the federal district and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing items that are incorrect on my TransUnion credit report and have provided documents to prove the error, but TransUnion have yet to correct this matter and is violating my fCRA rights XXXX. XXXX XXXX XXXX is reporting late payments XXXX, XXXX and XXXX of 2020 is being reported incorrectly, the payment history is included in the attached file XXXX XXXX is reporting no late payments but is reporting derogatory XXXX. XXXX XXXXXXXX is reporting no late payments but is reporting derogatory..
Product: Debt collection

I am filing this complaint because a debt collection agency, Fair Collections and Outsourcing, inc., has failed to provide adequate validation of a debt they are attempting to collect, despite multiple requests. 

OnXX/XX/XXXX, I sent a formal written request to Fair Collections and Outsourcing, inc. asking for proof of assignment or transfer of the debt to their company, as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested documentation proving that they have the legal right to collect this debt. 

In response, the agency provided a vague statement without the necessary documentation. I followed up on XX/XX/24, XX/XX/24, XX/XX/24 and XX/XX/24 reiterating my request for proof of assignment. Despite my repeated requests, the debt collector has not provided the required documentation. 

Most recently, I received an email from XXXX XXXX of Fair Collections and Outsourcing, inc. on XX/XX/24, stating that they would no longer respond to my requests, and they have since stopped replying to my emails entirely. They also indicated they would cease contacting me, but this does not address my request for proper validation under the FDCPA. 

I believe Fair Collections and Outsourcing, inc. is in violation of the FDCPA by failing to provide adequate proof of assignment of the debt, and I am concerned that this debt may be inaccurately reported to credit bureaus, affecting my credit report and score.

I request the CFPB to investigate this matter and require Fair Collections and Outsourcing to provide the proper documentation validating the debt or to cease all collection activities and correct any credit reporting related to this account. 

Thank you for your attention to this issue.
Product: Debt collection

On XX/XX/2022 I received a letter from XXXX XXXX XXXX XXXX on XXXXehalf of Bureaus Investment Group Portfolio XXXX Llc about a debt that I was not aware of. I sent a debt validation letter requesting further Information on this debt and their right to even collect this alleged debt on XX/XX/2022. I received a letter back from XXXX XXXX XXXX XXXX on XX/XX/2022 with only billing statements and none of the information I asked for. I also sent Bureaus Investment Group Portfolio XXXX. XXXX LLC a letter requesting proof that the debt they claim I owe is valid by furnishing a contract bearing my signature or the original contract of such said debt via certified mail on XX/XX/2022. I received a response back from Bureaus Investment Group Portfolio XXXX. XXXX LLC on XX/XX/2022 back dated XX/XX/2022 with same information ( statements ) they sent to me through XXXX XXXX XXXX XXXX on XX/XX/2022. They have failed to properly validate this debt with a contract bearing my signature or original contract of such debt.Along with the other information I requested!
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

There showing a incorrect balance, and they sold my personal information to another company
Product: Credit card or prepaid card

This was a painful experience as I was suddenly XXXX  with an XXXX XXXX  as a result of a previous XXXX XXXX during this ongoing pandemic. Because my cards were frozen during my most recent billing statement, I was unable to use the funds available to me and my XXXX XXXX was further injured in the process. Navy Federal is supposed to be dedicated to their clients financial well-being as XXXX. Ive been a loyal customer for more than a XXXX  while keeping a stellar credit score and maintaining a wonderful business relationship, I was let down with this one.
Product: Debt collection

XXXX kept trying to charge my card for a late payment. They tried the full amount several times then kept trying to charge different smaller amounts when the transaction was declined. This gave me numerous overdraft fees and put my bank account in the negative. My account was then given to Green Tree and Associates, a collection agency. I have tried numerous times to contact them to pay my debt but none of the phone numbers on their website are in service. I then tried to call XXXX XXXX and ask how to pay my debt and they gave me another phone number for the same debt collection agency. I called that number and it was not a working number either.so now I have a derogatory Mark and collection on my credit report and have no way to pay it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, And XXXX are not doing a investigation on the Dept of education student loan accounts on my credit report. There is inaccurate information reporting and its making it impossible for me to do what i need to do credit wise with negative reporting. I have reached out to all bureaus and disputed it and nothing was done. These accounts are coming back verified from the credit bureaus.XXXX last reported a balance of XXXX on XXXX XXXX opened XXXX. With a monthly payment of XXXX dollars. Payment status in collections/Charge off! How is this possible? Equifax is reporting a balance of XXXX on XXXX XXXX opened XXXX XXXX. Account status closed. XXXX last reported a balance of XXXX on XXXX XXXX opened XX/XX/2012. Payment status seriously past due date/ account closed.