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

I have filed a complaint recently with Experian about XXXX reporting incorrect information and that has been resolved. This complaint is NOT THE SAME- is a totally new complaint however, Experian 's site will not allow me to dispute this erroneous 30 day late item. When you try to upload new supporting documents about XXXX the site will not allow you too. Experian should not be operating in this manner. XXXX has reported my vehicle payment 30 days late last week on or about the XXXX of XXXX and they should not have as the vehicle was totaled and paid off. Therefore, there should be NO LATE PAYMENT on my credit report. Here is the initial dispute I sent last week- that was closed stating I had filed this complaint already and this is not true. 

XXXX Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road on XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has received the payoff - were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to Experian, XXXX  and XXXX  as well. They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and it has impacted my credit score and caused my beacon points to drop a negative 48 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 Experian was made aware of fraudulent accounts being reporting due to identity theft fraud. As well Experian was requested by third party debt collector XXXX XXXX XXXX to remove a file.
Product: Mortgage

PennyMac did my annual escrow analysis in XX/XX/2019. I could pay the shortage or my payment would increase. I chose to pay the shortage and made a {$600.00} payment on XX/XX/XXXX which brought my monthly payment to {$940.00} which I paid for XX/XX/XXXX. I then received notice that my payment had actually increased to {$990.00}. I called and spoke to an agent at PennyMac on approximately XX/XX/XXXX. He stated that my county taxes had been reduced and my new payment was {$910.00}. On XX/XX/XXXX, I received a notice that my payment of {$940.00} was short by {$45.00}. I called on XX/XX/XXXX and they agent stated that my payment had not been reduced and they would have to do another analysis in order to reduce my payments. I asked why I was told that my payment had gone down and she stated that she did not know why the other agent told me that. I gave her permission to reanalyze my escrow. 

This is how people get into financial trouble with their mortgage companies. I was given false information and PennyMac miscommunicated with me.
Product: Checking or savings account

On XXXX XXXX I XXXX XXXX had notice that there were some unauthorized transactions charges made to my bank of america account. I contacted the bank ( Bank of America ) immediately concerning this matter, and file a dispute. I contacted XXXX and they were n't able to verified a account under my name social security, phone number, email address, I ask them why was they taking money out of my account every month. I do n't have a contract with them and I do n't receive no services from there company This is fraud Bank of america said they put a stop were XXXX ca n't take no more money out of the account. Later in XXXX or XXXX XXXX I notice XXXX again took more money out the account. I contacted the bank again concerning this matter ( Bank of America and spoke with a XXXX XXXX XXXX XXXX she 3 way called XXXX they still were n't able to verified me having a account with there company. On XXXX XXXX, XXXX Bank of America contact me and said they have completed this and as a result the temporary credit that was issue to me in the amount of XXXX will be removed on XXXX XXXX, XXXX from out of my account. This is fraud I have contacted my bank concerning this matter, and I still not be held accountable to pay someone else bill. My debt card Driver License keys was stolen in XXXX XXXX this was reported. Bank of America should safe guard my money at all times FDIC I do n't have a account with this company and never had a account and I never gave permission for no one to use my account to pay another person bill off my household have XXXX XXXX XXXX services Cable, Phone, and internet I need my money back plus all the fees Bank of America made me pay I have filed a complaint with The Illinois Attorney General and Federal Trade Commission Center concerning this matter my contact telephone number is XXXX XXXX report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America XXXX fraud claims XXXX Federal Trade report # Identity theft XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

TransUnion has failed to provide updates credit score in witch has bin the same score for over a year witch is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ).

It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be force to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.
Product: Checking or savings account

Who gave the XXXX the right the issue me a debit card for my unemployment money? 

I don't agree that I should have to pay any money not even an ATM charge to get my money out because I didn't want this XXXX  card to begin with. And if I'm not able to take all of my money off the card then I'm being forced and XXXX in the XXXX by having to pay a fee to get my own money. It's just another way to XXXX you by the government by adding yet an additional sir tax on you. These debit cards are XXXX us and depriving us of our rights while the government is trying to abolish cash. Once they do this they'll have everyone by the XXXX. Just like they did with the cell phones and XXXX did with XXXX XXXX.
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. In addition to not acknowledging fraudulently opened accounts. XXXX XXXX Acct # XXXX {$2100.00}, XXXX XXXX XXXX Acct # XXXX {$560.00}, XXXX Acct # XXXX {$290.00}, XXXX  XXXX XXXX Acct # XXXX {$190.00}, XXXX XXXX Acct # XXXX {$5000.00}, XXXX XXXX Acct # XXXX {$620.00}, XXXX XXXX Acct Acct # XXXX {$1400.00}, XXXX XXXX Acct # XXXX {$4000.00}, XXXX XXXX  Acct # XXXX {$1000.00}, XXXX XXXX Acct # XXXX {$1400.00}, XXXX XXXX XXXX  Acct # XXXX {$890.00}, XXXX  XXXX Acct # XXXX {$1200.00} Be advised these accounts are reflecting duplicate reporting as well.
Product: Bank account or service

I have been a customer with this bank for years and for the most part I have not had any problems, until recently. I began reviewing my account statements after I received a notice that my account was over drafted over {$700.00}. I will be honest in saying that I have unintentionally over drafted my account in the past and have been able to bring my account in the positive within a reasonable amount of time. When I reviewed my statements, I started by reviewing the balance and charges from XXXX until recently. I would subtract the charges shown from the balance provided on my statements. Often times when I was charged an overdraft fee, there would still be available funds in the account. I have been charged {$36.00} overdraft fees for charges well under {$5.00}, the smallest being a {$0.00}. I know difference between an available balance and posted balance, still according to my research, a lot of the overdraft fees I was charged was done in error. The way BB & T explains how they process payments and the difference between an available balance and posted balance seems very deceptive. Based on the numerous complaints I have reviewed, I am not the first customer to have this problem. My account is utilized for various reasons and BB & T has put me in great financial trouble with other institutions I pay using the funds that are deposited in this account. I contacted the customer number XXXX to resolve this, both times the line disconnected. I only decided to submit this complaint as a last resort when I checked my bank statement to find out I was charged {$4.00} for contacting the customer service number in order to resolve my problem. I would like to remain a customer with this bank, but I do not agree with how I have been treated and taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I express to the dealerships that I did not want my credit to be run multiple times. I had written a letter expressing that I want the hard inquiries removed from my credit report which is impeding my ability to obtain a home loan. The company did not resolve my request. 

The credit inquires dates are XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I 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 proce : 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: Debt collection

I filed a complaint in XXXX of this year the complaint number is XXXX. As you can see by the record from the CFPB XXXX XXXX dis not respond to them and has never responded to our request to validate the debt. However my wife just saw that they are now reporting negative information regarding her account. I have been a licensed loan originator my XXXX number XXXX i spent 8 hours a year and countless hours during the year to stat compliant with XXXX XXXX RESPA AND FAIR LENDING requirements and i know that they can not, not respond to us and t think they could ignore the formal request from the CFPB is beyond belief. I Am seeking the CFPBs assistance to both correct the negative information and to enforce fair lending rules and regulations.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX XXXX XXXX  and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have contacted XXXX many times to dispute this Macy 's account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.
Product: Debt collection

Received 2 letters stating a debt to XXXX that does n't exist. XXXX confirmed this ( we are on autopay ) and said they have their own debt collection department and do not use an outside agency.
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. 

USDOEXXXX # XXXX U S DEPT OF ED/XXXX  # XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF ED/XXXX  # XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE THEM FROM MY CREDIT REPORT : XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I write to dispute certain information in my file resulting from items that I did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA.15 U.S Code 1681c-2- Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Account XXXX XXXX acct # XXXX in the amount of XXXX this account was opened fraudulently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identied in this CFPB complaint from my consumer credit le within 4 business days of receiving said complaint. I request that all written conrmation regarding this CFPB complaint be sent to me XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to dispute this transaction on my credit report due to fraudulent activity and it's been denied. 
On XX/XX/2018, FINANCIAL CREDIT NETWO has placed a collection depth for the amount of {$1200.00}
Product: Mortgage

In XX/XX/XXXX, Champion Mortgage attempted to foreclose on the property at XXXX XXXX XXXX. XXXX, Massachusetts. Mortgage co. was sent debt verification requests under Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). 
Foreclosure was avoided at that time, but Respondents have NOT answered to ANY validation requests and are attempting another sale on FridayXX/XX/XXXX. 

Repeated correspondences, notices and warnings have gone entirely unrebutted and unanswered.Evidence gathered shows that respondents are Not the owners of the debt and do not have documentation and verification to foreclose on the collateral property. 

Under Misprison of Felony, 18 USC subsect 4, I am required to report felony fraud, theft, attempted robbery etc. to the nearest authorities. 

This constitutes notice of Felonies in open view.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and was sent into an XXXX  spiral upon reviewing it. It is clear to me that the agencies did not do their jobs to make sure that the items and information that they were reporting was accurate and this has in turn affected my life quite negatively. The information being reported is inaccurate and just incorrect and needs to be corrected.
Product: Credit reporting or other personal consumer reports

Please have this removed from my consumer report. ( XXXX, TransUnion, And XXXX etc. ) 15 usc 1681 b ( 2 ) ( a ) ( i ) XXXX XXXX 590 % credit card utilization {$6400.00} 5 hard inquiries
Product: Checking or savings account

On XX/XX/2018, it was noticed my US Bank Checkings account was closed - It was noticed because our debit cards were declining, so we checked the app and online and the checking account was gone. No notice, no calls, no warning. It was positive ~ {$1800.00} and had no NSFs, no bounced checks, nothing. Banks are not telling us anything nor are they refunding the money. They completely erased 100 % of the statements and records.
Product: Debt collection

RMS repeatedly calls my work phone and cell phone incessantly. XXXX XXXX is the date of the last phone call I received. I explained that this debt is not valid. I dropped my course with XXXX prior to the drop date deadline. I do not owe XXXX anything. The woman on the phone told me that she was going to call XXXX and tell them that I am refusing to pay the debt and threatened to damage my credit further if I refuse to pay RMS {$2500.00}.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. If you are not able to do so, then I will need to pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today in regards to my account with XXXX XXXX Account # XXXX. I have reached out to XXXX in regards to a late pay XX/XX/XXXX. I got a response from XXXX Dated XXXX XXXX which says that my account will be be updated. Yet no updates have been completed based on my report dated XX/XX/XXXX it still remains on my credit report.
Product: Checking or savings account

Anonymous " American Express Serve Card '' agent personnel located oitside of XXXX XXXX have been embezzling from my checkimg account for over a year now. The most recent vanishing funds transaction took place yesterday on XX/XX/2023. {$500.00} XXXX XXXX transfer to my XXXX was initiated by me XX/XX/2023. The transaction was pending, then now it is completely unaccounted for, & the funds was not returned & reflected on my available balance. Account has a limit of $ XXXX a month. Prior sums monies have been embezzled when they put my account into negative & froze my account.