23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I wrote check # XXXX on XX/XX/21 in the amount of {$2500.00} payable to XXXX XXXX on my Bank of America checking account ending in XXXX. On XX/XX/21, I saw that the check had been altered to {$7500.00} on the pay to line. The dollar amount below stated " XXXX XXXX XXXX ''. I called the Bank and got transferred to the fraud department. I was told that it was clear that the check was written for {$2500.00} and that the amount had been altered. I was given a credit of {$5000.00} on XX/XX/21. On XX/XX/21, Bank of America denied my claim and debited back to my account the {$5000.00}. Of course, this overdrafted my account and the bank returned a check in the amount of {$45.00} to my landscaper. I called the Bank on Monday XX/XX/21 to ask why they had charged this back to me. They said I had not signed a form that they had mailed to me in XXXX. I did not receive the form. It was e : mailed to me on XX/XX/21. On the same day, I completed the form, had it notarized and e : mailed it back to the Bank. I have spoken with executive complaints several times and they still have not given me my {$5000.00} back. I am a recent retiree of Bank of America, and I have all of the funds I own in their Bank. I am appalled that they refuse to give my money back. They said today XX/XX/21 that they are waiting on the money back from XXXX XXXX where the check was deposited. How long does it take to look up a deposit and see what amount the checks in it posted? I have worked in Banking for 45 years and had no idea how risky it is to write a check. Please help me get this resolved. The Bank made the error of paying it for an amount different than what I instructed. I am attaching a copy of the check front and back. Why should I as a customer have to suffer for their mistake?
Product: Mortgage

Ocwen loan servicing has been returning my mortgage payments since XX/XX/XXXX, lastly I sent a Cashiers check of XXXX for a written agreement for a repayment plan. 

I am actually behind about {$8000.00} but Ocwen imposed penalties and late fees. I should not be penalized at all for this mortgage fraud since I was in Chapter XXXX bankruptcy. Also, in XX/XX/XXXX, Ocwen told me I needed to fall behind in payments in order to qualify for a Loan Modification. Now ocwen is threatening Foreclosure. 

Please add me to the Class Action lawsuit against Ocwen for Mortgage Fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

See original complaint - XXXX. As indicated, I do not owe this debt. However, to prevent the debt from being charged off and affecting my credit, I paid it. I AM SEEKING REIMBURSEMENT - THIS DEBT IS NOT MINE.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces? was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I have a Discount Tire credit card through synchrony bank and had a credit limit of {$800.00} dollars charged on it twice and paid it off both times and they lowered my credit limit down to {$250.00} and now Im trying to purchase tires for my wifes car and cant do it because they lowered my credit limit down.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was fraudulently opened in my name on XX/XX/2015 by EXPERIAN XXXX with a current balance of {$0.00} According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, an unverified account must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the account listed below. I demand this account be verified or removed immediately. The accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity or any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. 

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

I've checked my consumer report and I see inaccurate personal information reporting to my credit report. This information is wrong, and I never went by none of these names ( XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, the correct name that is supposed to be reporting is ( XXXX XXXX XXXX XXXX the job XXXX  XXXX is inaccurate. I have never worked for that employer. Additionally, the following address that is reporting are inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. According to the FCRA everything has to be reported accurate on my consumer report. I have attached a copy of my personal information for it to be updated.
Product: Credit card or prepaid card

I purchased an airline ticket through XXXX XXXX on XX/XX/2019 ( XXXX ). The ticket price was {$300.00}. There was a promotional offer of a significant discount ( around $ XXXX {$200.00} off ) if I applied for an AAdvantage credit card issued by Citibank XXXX 
I applied for the card expecting the discount. 

After purchase, I was told that the discount didn't apply because I already had a similar credit card. 


I called customer service, and got bounced back and forth between XXXX XXXX and Citicards. I did get one offer from Citicards to receive the discount if I spent more money using that card.
Product: Checking or savings account

Dear sir,

1. I recently realized that a check I wrote and sent through mail to somebody has not been delivered even after 30 days.

2. I called up the BMO-Harris bank on XX/XX/2019 to freeze the check and to check for any other options.

3. After more than 60 min hold and back and fourth questions, the associate said, there is a lot of fraud happening. So, the best options they can offer me is to freeze the account immediately and next day morning (specifically at XXXX XXXX EST, the next day) somebody from their sales team will call me to set up a new account. Since their branch is not available in XXXX, Ga, this is best option they could offer me. He also gave me a specific time at which somebody will call me.

4. It is been more than 4 days, nobody called me. My money is frozen (> $ 7000). I can not sit on the phone to deal with customer service anymore.

I demand a compensation for this inconvenience from them.

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

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
Product: Debt collection

In XX/XX/2017 I had emergency surgery to have my XXXX   XXXX. I had applied for XXXX XXXX, because I haven't received my health insurance as yet. But in XX/XX/2017 I received the insurance and they covered all my expenses for the surgery, Which includes my Surgeon fees, scans X-Rays, Hospital Stay Medication and the fee 's C-TECH COLLECTION ( a health care collection agency ) is billing me for. I have contacted them explaining the situation, but no one have gotten back to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Mortgage

My mortgage was recently transferred to Freedom Mortgage. Paperwork was filled out so they would automatically withdraw money from my account on the XXXX of the month. They started withdrawing the funds for over {$300.00} more than my payment and have not been crediting it to my account. I have spoken to them numerous times and asked them to cancel the auto pay. I have started making the payments by mail. After instructing them to stop the auto pay they again still billed my bank for the auto pay. They also do not know where now approx. {$4000.00} of my money is.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file included derogatory remarks without an substantial data to back up the remarks.
Product: Mortgage

In XXXX, 2019, I notified my mortgage loan company, " Mr. Cooper '', about my application for County tax relief was approved by XXXX County, Virginia. Per the county, I am entitled to a 25 % reduction of real estate taxes, but " Mr. Cooper '', the lender, has not adjusted the amount of escrow they are collecting from my monthly mortgage payments. They are holding the excess amount themselves, since they are sending my county the correct reduced amount. I have been trying for months to have them reduce the amount owed on my monthly payment, to reflect the reduced tax amount. All to no avail.This has been going on for 7 months so far.
Product: Debt collection

the company claimed they received my request for validation letter on XX/XX/XXXX. I have proof they received the letter on XX/XX/XXXX which is a fact ( via certified mail # XXXX ). Proof is attached. I just received a letter from them 45 days later with a postage stamped on XX/XX/2021, when pursuant fdcpa law and my letter they only had 30 days to respond, failure to respond result on default. I request for them to immediately remove the account from all reporting CRA 's. This company operation is unethical and they lack of response is harming my emotional state causing me stress, mental anguish and losses due to negatively reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and unauthorized inquiries from my credit report. As a victim of identity theft due to a data breach, the following accounts and inquiries were not authorized by me. I request that they be blocked and deleted under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} Unauthorized Inquiries : 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 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 reached out to Transunion regarding several inquires on my credit report. I notified the Bureau that several of these inquires I did NOT authorize! Instead of them removing them from my file they IGNORED my complaint. As a consumer I deserve a credit report that is 100 % accurate. On my credit report I have notified them about XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX In the dispute process the Bureau are supposed to verify items that are on my credit report. They have not. I have notified them that I didn't give these people my permission to access my credit report at anytime. However Transunion still has not removed these items from my credit file.
Product: Debt collection

United Recovery Solutions of XXXX, KY is attempting to collect on a debt which is not mine. Rather, As I have explained to many debt collectors since 2014 my family is part of the XXXX XXXX XXXX XXXX Data Breach and as such we are part of a protected legal class. To wit, this debt is not mine but rather was incurred by another person or entity as part of their illicit activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son has tried to cancel his TransUnion membership he accidentally signed up for for 4 months now and they will not stop taking XXXX out of his account. What can we do
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Secured Loan XXXX XXXX XXXX XXXX Account charged off. {$180.00} written off. {$1600.00} past due as of XX/XX/XXXX 
( XXXX ) XXXX Public Record XXXX XXXX XXXX Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX 
( XXXX ) XXXX Public Record remove the FCRA violations b/c of the civil violations ( XXXX ) XXXX wrong number XXXX ) XXXX wrong number
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my identity been compromised I found many unauthorized inquiries reporting on my report, the following inquiries are 1. XXXX XXXX XXXX XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX  ( XXXX ) 4. XXXX ( XXXX ) 5. XXXX  ( XXXX ) 6. XXXX ( XXXX ) And I would like these inquiries removed immediately, or provide me with physical documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In trying to resolve a disputed error on my credit report with XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX, MN for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry of 60 days back in XX/XX/XXXX as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus Equifax, XXXX  and XXXX  and creditor directly. On XX/XX/XXXX, I submitted this directly to CFPB Agency and they have confirmed and received documented information re ; this dispute from XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX XXXX, MN that they were not able to verify any late payments and the inaccuracy reporting on my account should be removed by all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After applying for an apartment I got an adverse decision response. After reviewing the information I found the report to provide false information, which I suspected was the result of identity theft. The Information has yet to be removed and I continue to get the run around as to the results of my dispute.