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

I submitted a complaint on XX/XX/2019, with complaint ID XXXX, which indicated that Bank of America incorrectly put hard inquiries on my XXXX  credit report twice, on XX/XX/2019 and XX/XX/2019, respectively, and Bank of America also incorrectly reported to XXXX a credit card account that starts with XXXX which is not mine. 

After the submission, I received one letter from Bank of America saying that they request XXXX to remove the inquiries on XX/XX/2019 and XX/XX/2019. However, only the inquiry on XX/XX/XXXX has been removed. The inquiry on XX/XX/XXXX is still on my credit report. 

Another letter from Bank of America says that their review determined that they " accurately reported to the consumer credit reporting agencies '' and considered my dispute resolved. It further states that my file may have been combined with the file of someone with a similar name and I need to contact the reporting agency directly to resolve the matter. 

Since the complaint was also submitted to XXXX, they had already opened a dispute on the account that starts with XXXX. On XX/XX/XXXX, I was notified that the dispute results are ready and their reinvestigation concludes that this account should remain on my report, because " The company ( presumably, Bank of America ) that reported the information has certified to XXXX  that the information is accurate. '' To summarize, after a month of investigation and processing by both Bank of America and XXXX, only one of the two erroneous inquiries was removed and someone else 's credit card account is still on my credit report because Bank of America determined that they reported accurately and XXXX takes their words for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously had this complaint with this company for the same exact thing and they continue to cause me to be in a category of a consumer with bad credit and I am not, this is hurting my financial options.I currently have a public record reporting and the bureau has informed me that they validated this information with XXXX XXXX a third party creditor. I have since called XXXX XXXX and have been informed that they have nothing to report to the bureaus regarding any public record. 

I believe that this company is trying to avoid properly re-investigating my dispute because they know it will result in a deletion on my credit record. Please do not allow me to suffer because of being misrepresented to the creditors. I am also a victim of identity theft, which is another reason I am concerned about this false reporting.
Product: Credit reporting or other personal consumer reports

Equifax is in violation for reinserting account XXXX  back on my credit report when the company admitted that this account was unverified. In the CFPB complaint XXXX, XXXX XXXX XXXX XXXX XXXX stated that an investigation was done, and they closed the XXXX account . They also ceased all communications regarding collection of the XXXX account and requested that the consumer reporting agencies remove the tradeline for the account from my consumer reports. XXXX and XXXX have since removed this inaccurate account, but Equifax is still reporting this account. Please see the correspondence from the company and remove this account from my credit report or I will have no choice but to take legal action against Equifax.
Product: Debt collection

Hi- Comerica bank on XXXX XXXX in XXXX michigan is attempting to collect fees not owed. On XX/XX/XXXX I went into the banking branch because they had closed my savings account for exceeding the transfer limit. When i went in I closed all accounts that day, 4 accounts, 3 checking and 1 savings. I told the bank enployee I wanted to close all accounts, at that time they gave me a check for approximatly 18k from my savings and {$400.00} cash from my checking. The bank is now telling me that the account was not closed on that day because of a pending transaction for {$20.00} from 2 days prior to me coming in and that the account was not closed that day and that the tip of {$6.00} I left overdrew my account. There was no mention of a pending transaction the day I closed the accounts. I asked to close my accounts they gave me the check and the cash and i left thinking my accounts were all closed, come to find out only 3 of the 4 were closed. Because changing my auto drafts to my new bank took 7-10 business days, some of those payments still went through to the comerica account which should have been closed. Now comerica is stating I owe over {$200.00} in overdraft fees on an account that I thought was closed. The bank has stated that they can not close an account when there is a pending transaction which is fine but this should have been comunicated to me rather than make me think the account was closed knowing that this could happen. Had they notified me that the account was not closed because of a pending transaction I would have come back in a day or two to close the account. The teller cashed out my account that day knowing there was a pending transaction that did 2 things, it made my account left open and opened me up to over {$200.00} in fees. I have perfect credit and have never disputed any charges, the way this bank conducted business was deceptive and resulted in fees that I should not be responsible for. The employee at the bank clearly knew I was there to close out all accounts and failed to do so, and failed to disclose any other details. She failed to notify me that she was unable to close the account at that time.
Product: Credit reporting

I have contacted the credit reporting agency Experian multiple times regarding negative items ( XXXX and XXXX XXXX ) on my credit report that I believe is not mine. I told them I tried to contact the collection agencies directly to acquire a billing statement showing proof that the debt belongs to me but the phone number on the credit report is not a valid phone number. I asked Experian how are they getting in touch with the collection agencies to continue to report negative items on my credit report and I also ask for the credit bureau to provide proof of the information the was provided to them from the collection agencies. Experian stated that they have not receive any information from the collection agencies to instruct them to remove the negative reporting, but my question to them was how are they validating that the information is truly for me. If the collection agencies have not responded to Experian, why Experian continues to report negatives items that I have disputed and I believe is not valid. I also ask Experian to provide proof that they validated the information with the collection and to provide the phone number, email, or address that was used to validate the debt. Experian told me they were not able to provide that information to me and I should use the number on the credit report that is not valid. Why I ca n't get proof or speak to someone concerning the validity of the debt??? I believe the continuous reporting is un-just because I have not received a billing statement or proof related to the debt from the collection agencies or received proof from the Experian showing how they were able to validate the negative items.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft as a result of a data breach. 
Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts and unauthorized inquiries from my credit report. These accounts and inquiries were opened or made without my knowledge or consent. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My XXXX Bank And Cash App account was hacked on XX/XX/23 out of {$3000.00}. 
I originally called XXXX bank to verify my account because I wasnt able to log into my account or receive funds from my clients. I ended placing myself in the call back waiting pool. To were a representative was suppose to call me back and verify my account. Someone called me back but it turned out to be someone acting as a XXXX representative the guy had me download a remote app to were he gained access into my cash app account. He originally sent {$3000.00} to my mom she calls me while on the phone with him to tell me I sent the money to her. I stated I didnt, so she refunded it back to me to were the money was now in cash app account. He sent the money to a XXXX XXXX. I immediately called cash app to report the incident. They insisted to reach out to chime and stop the payment since it was pending. I did just that and filed a dispute. The dispute took up to a month. Only for chime to close down my account before the dispute in their end was finalized. Cash app denied my claim stating I sent the money to the person that hacked my account. If both banks did proper investigation they would of found out that I never sent over {$500.00} to nobody let alone the stranger.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was listed repossessed and listed as charge off on credit report. Inaccurate amount listed on credit report after car was resold. Also, never received auction receipt for car, as well as payment insurance, or loan insurance was never listed which was language in contract. Would like this charge off removed from credit report.
Product: Credit reporting or other personal consumer reports

This is certainly criminal that TransUnion has categorically failed to adhere by the Federal Trade Commission Identity Theft Report Affidavit and Police Report confirming that I am a victim of two fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion failure has caused me tremendous pain and suffering by allowing false and stolen data to financially burden my family. Since I given ample time for these accounts to be cleared, but TransUnion failure to accept that all other credit agencies removed fraudulent accounts, accept them. Therefore, my only recourse to TransUnion is to file a lawsuit requesting compensatory and punitive damages for lack of ability to simply address and remove fraudulent accounts. This lawsuit will move forward. I have the right to request the block of fraudulent accounts and Identity theft. Thank you.
Product: Checking or savings account

I had a bank account with U.S. bank. I was receiving many letters from all different states ( which led me to believe they were fake ) usually things like this have 1 main location they send from. So I ignored them being as they requested I call & provide updated information they needed. I let it go thinking it was a scam. Well my account got shut down. I called the bank when everything stopped working & I no longer had a mobile account. The first time they said " we don't know there's no notes here, well call back ''. Second time a week later they didn't call back. I called back, same thing. Third time, a 'bank XXXX '? Was in & said " we can't say, call our fraud department ''. I called them, they said " we don't know either, call this number ( some sort of internal department ). They said ALSO " ya we don't know but whoever it was just doesn't wan na continue our baking relationship ever again ''. WHAT DO I DO?! I thought I couldn't open any accounts. So I went a year without a bank which makes paying bills difficult. Luckily I was able to make about one with a new banner, but wow.
Product: Payday loan, title loan, personal loan, or advance loan

Because of Covid 19 I lost my job and was unable to pay this loan off.
Product: Mortgage

In XXXX at the start of COVID-19 my mortgage company allowed me to go into deferring my payments because of COVID-19 this XXXX my wife resumed working we were able to start making our mortgage payments again. we filled out paperwork to find out what would happen to our Missed mortgage payments they said there was nothing they could do and we would either have to pay up all the missed mortgage payments or they were going to foreclosure On our house.
Product: Mortgage

I have 2 issues with Specialized Loan Serving. 
First, they are keeping me a payment behind for no reason. 
I have tried to work with them for months trying to solve this problem including sending them proof of payments. 
Second, they are raising my payment after doing a cost analysis on my escrow account and they are saying I am behind and want to raise my payment when nothing has changed to warrant it. I have asked for a copy of the analysis and can not get it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complement is for :  RoundPoint Mortgage   Servicing   XXXX   XXXX   XXXX   XXXX , NC  XXXX  My loan :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  Hi, My name is  XXXX   XXXX , RoundPooint gave me a   XXXX   % reduction to pay off my mortgage and they report to the creditors than I owe Roundport {$5000.00} back in       2014   XXXX  .   Loan #  XXXX  property address is    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  .   <P/> Roundpoint report my mortgage pay off as a short sale when they gave me a reduction to pay off my mortgage. And they reported the  Recording with  XXXX  county w rong. Which they are re-recording that 's what they told me and will ta ke 2 to 3 mo nths. Spoke  XXXX  refused to fix my credit with  XXXX . When I speak to them Roundpoint representative they tell me they did not reported as short sale.   I am not getting my issue solved by my self.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't a response within 30 days and ya '' ll are required by law to do so. Please investigate my disputes. Thank you!
Product: Checking or savings account

My company, XXXX XXXX XXXX ( an outpatient physical therapy clinic located only in XXXX, Georgia ) had its Tax ID stolen band with it a fraudulent bank account was opened with Capitol Bank in XXXX TN ( now called First Horizon Bank ). Unfortunately the Bank Manager was duped by a fraudster who allowed him to put a series of more 60 stolen checks from the Georgia business to be deposited into the Capitol Bank account ( knowing the Georgia physical address on every checks deposited in the TN account ) - this fact alone should have alerted the bank processor ). Additionally a number of our XXXX, XXXX and Third Party payments were also EFT 'd into  this fraudulent account. The total amount of revenue embezzled / stolen is in excess of $ XXXX ( this crime took place over the course of 6 months as it took that long to shut the crime down ). Its important to note that Capitol Bank was put on notice of the crime with weeks of the account being opened. I personally requested that the account be frozen to protect our revenue, unfortunately the bank failed to take any action to protect my small businesses interest. In fact they allowed the money to be with drawn directly to person committing the crime ( in cash and checks made payable to him personally ). 

Attached to this file is series of documentation that include a detailed letter from the Georgia Attorney XXXX XXXX, who highlights the crime, the bank errors and request that the bank return the money to it rightful owner XXXX XXXX of Georgia. A XXXX County subpoena to the bank requesting the account documentation, A response from Capitol Bank including the account fraudulent signature card, with highlighted bank errors ( ie : a fake address for XXXX XXXX in TN ). Also attached are copies of the actual account bank statements supporting the fact of this claim. Last included is a XXXX County Criminal Arrest Warrant for the person that committed the crime. 

We have requested that the Capitol Bank ( First Horizon Bank ) return the stolen funds to our company in Georgia, unfortunately we have not gotten it back yet. That said to protect the statute we remain in a tolling agreement with the Banks Attorneys ( now more than 1 year ) .... unfortunately to date we have not been successful recovering the stolen money. We are seeking assistance with the Consumer Financial Protection Bureau for oversight into this matter, and requesting CFPB reach out to the bank on our behalf to find out what the hold up might be, otherwise we requesting all the stolen revenue be returned to us, again approx XXXX. 

I sincerely appreciate your review and consideration of the facts and remain hopeful Capitol Bank with take proper action to reconcile this matter. 

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

" The information I disputed has been verified as accurate, and neither CRA deleted the incorrect information '' Now I'm requesting for a SECOND time all accounts disputed I am requesting that you and the furnishers do a full and thorough investigation of the following accounts that I am disputing. Please send a copy of this letter to each furnisher and I want you ( and each furnisher ) to do a proper investigation as required by the law. To be clear, I am not asking you to ignore my letter. Or send me a silly form letter back refusing to investigate. Instead, Im asking you to take this very seriously as I take the accuracy of my credit reports very seriously. It is vital that I have accurate and complete credit reports with all the information verified. 

On my reports, there is contradictory, incomplete, and incorrect information that can not be verified. I dont know if this is because the furnishers, who are unreliable sources of information, are giving you false information. Or whether you are doing a poor job of reporting the data. Either way, now is your chance to do the right thing and it is now the opportunity for the furnishers to do the right thing. 

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. The never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my right numerous times. 
The credit bureaus violated my given rights under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A States I have the right to privacy.

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


( I HAVE ATTACHED A COMPLETE COPY OF THE DISPUTED ACCOUNTS )
Product: Debt collection

I believe I am victim of Mortgage and Mortgage Servicing Fraud. XXXX XXXX XXXX and Wells Fargo N.A . are both claiming to be the note holder of a loan in my name which is being serviced by a third party entity. I have sent both parties Qualified Written Request and Debt Validation Request and neither have sent adequate responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts ( XXXX # XXXX, XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 an account without my written instructions
Product: Credit card

Bank of America assessed late fees on my account for the billing cycle XX/XX/XXXX to XX/XX/XXXX. My statement showed a closing date of XX/XX/XXXX. On XX/XX/XXXX, I made two payments, one for {$2000.00} and one for {$500.00}. These payments were credited on XX/XX/XXXX and a late fee of {$29.00}. 

My next statement, for billing cycle XX/XX/XXXX through XX/XX/XXXX, included a late fee for {$40.00}. The closing date for this statement was XX/XX/XXXX. When I asked why a late fee was assessed, given that I had had made a XXXX payment on XX/XX/XXXX ( {$2000.00} ), and a XXXX payment ( {$500.00} ) on the same date, I was informed that I had not made the XXXX payment before the XXXX and the XXXX payment did not count because it was made prior to XX/XX/XXXX. 

I was also assessed a {$40.00} late fee for an electronic payment I made on XX/XX/XXXX, the closing date of my XX/XX/XXXX to XX/XX/XXXX statement, which was not credited until XX/XX/XXXX. It would appear that Bank of America has a 4 day window, from the XXXX to the XXXX, in which any payment made does not get credited to the either statement. This does not seem fair or correct. 

Another issue was that because I was technically delinquent, the autopay feature on my account was apparently deactivated, therefore the minimum payment that would have been processed, was not. I had autopay set up on both my BA accounts to make a minimum payment so that I do not miss a payment, then I make additional payments online. I do this with all of my accounts. 

Additionally, on the same day I received a letter stating that my account was delinquent because of a past due {$84.00} payment, I received a check for an overpayment I had made to another account in XX/XX/year>. It took 4 months for this amount to be refunded to me. I don't know if this is standard or allowable, but it should not take that long.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name of the company - Ford Motor Credit Account # XXXX Reported six inaccurate 30 days late payments to the credit bureaus. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name of the company - XXXX XXXX Account # XXXX Reported four inaccurate 30 days late payments to the credit bureaus. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experians 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 Experian complies with federal law and provides consumers with the necessary proof of investigation.