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

My XXXX payment was late by 2 days ( not sure if this was a mail issue or a processing issue but I use recurring computer banking so wasn't my issue ). As I use computer banking, I trust payments made correctly ( as for the XXXX year on the account ). When I explained what happened all the fees were refunded as is good customer service. My concern is reporting to the credit bureaus. I'm not sure missing by 2 days ( which was NOT my fault ) should create bureau reporting. I also don't think it's fair to continually report me as late when I'm paying the minimum amount ( forgetting the continual adding of fees ).
Product: Debt collection

I have been trying to tell this company this debt is not mine. I called the original debtors and they agreed the account is fraud.
Product: Student loan

I am under the save repayment plan and have been paying XXXX dollars monthly as I make XXXX a year. As soon as I was moved to MOHELA my monthly payment of XXXX went to XXXX. I am still in the save repayment plan and I dont have to renew my application until XXXX so I shouldnt be getting charged XXXX.
Product: Debt collection

Loanme INC has been illegally recording my confidential communications phone calls without my permission/consent. They do not tell you at the onset of the call that the call is being recorded. I am requesting that your office please investigate them. I have attached a letter from them via the CFPB that they sent, which states they are illegally recording. 

In the CFPB Complaint in line 1-3 they say We have reviewed XXXX XXXX ( Mr. XXXX ) complaint filed on XX/XX/2019, as well as our records and telephone conversations, all of which are recorded. PROOF THEY ARE RECORDING not only me, but consumers nationwide as well without consent. They never had any previous permission and if they think they did it was under false pretenses. 

I am requesting they contact my authorized representative to resolve. 

XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX Loanme XXXX is located at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX www.Loanme.com fax XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter to TransUnion to remove two outdated accounts off my credit report from XXXX XXXX XXXX account # XXXX statute of limitation six years. The second account # XXXX statute of limitation four years. Instead, I received a letter stating that they believe that I'm using a credit repair company. ( Documents attached ).
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XXXX XXXX, 2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC XXXX XXXX  Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S. Code 1681 and 15 U.S. Code 1666. U.S. Code 1681 Section 602 states that I have the right to privacy, 15 U.S. Code 1681 Section 604 ( A ) Section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions, and under 15 U.S. Code 1666 ( B ) states that a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. In addition to reporting late payments, on XX/XX/year>, this creditor responded to a CFPB investigation and I noticed that multiple inaccuracies are being reported on my credit report by this creditor. This creditor has re-aged this account, continuously report the account as active when the account was closed, and this creditor also refused to settle the account insisting I make payments on the open end payment plan due by XXXX XXXX,
Product: Debt collection

Convergant Outsourcing LLC has reported a paid collection in which I did pay to settle the account with them for {$250.00} because I owed XXXX {$280.00} for a closed unpaid phone bill. Which was in XX/XX/XXXX when it was sent to collection for none payment..Convergent Outsourcing LLC has the account listed as opened on XX/XX/XXXX which is not accurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX VICTIM DISPUTE LETTER I had submitted a dispute regarding my credit report however, you guys forgot to remove the following account from the report. 

Everything else was removed luckily and i'm so thankful for your support during this tough recovery time. 

ACCOUNTS FRAUD DUE TO XXXXXXXX XXXX THAT YOU DID NOT REMOVE : XXXX XXXX XX/XX/year> ALSO, I NEVER LIVED ON XXXX XXXX IN XXXX NJ. THE XXXX WERE ARRESTED THERE! 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act as a result of XXXX XXXX XXXX XXXX XXXX Debt Final Rule. 
Please send me notification of the actions taken. 
I appreciate you for helping survivors like me get justice for what has happened. Thank you so much for your help with this matter Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was the victim of a housing scam, in which I put down a security deposit through XXXX on an apartment that was revealed to be fake. Capital One, my bank, has refused to refund me despite acknowledging that this was a crime. 

On XX/XX/XXXX, My roommate and I found a listing on XXXX for an apartment in XXXX MA. My roommate emailed the real estate agent about the terms of the apartment, in which he requested the first two months rent as a security deposit ( {$5000.00} total, {$2500.00} per month ). He sent over an entire lease agreement, which my roommate signed and sent back. We looked up his name online and found his credentials verified with a real-estate company website. I sent over {$2500.00} by XXXX to the landlord of the apartment. My roommate did the same. We believed we had put down the security deposit for our new apartment in XXXX. 

On XX/XX/XXXX, my roommate called the real-estate agent in question via his phone number on the company website. The agent told us that the apartment we had rented was not one of his listings -- in fact, he hadn't been emailing us at all. Someone had stolen his identity, drafted a fake lease agreement, and swindled us into sending money for an apartment that didn't exist. 

We immediately called the XXXX police department and filed a report. I called Capital One to file a claim disputing the transaction, given that this was a crime for which I was a victim. On XX/XX/XXXX, they told me that my claim was denied. This was because I had sent the money through XXXX -- they could not recall the money already sent. Apparently, they had contacted the bank to which the money had been transferred, but that bank had also refused to refund the sum stolen from me. Capital One refused to issue me a refund for the money I had lost in the scam. 

This was a fraudulently induced person to person ( P2P ) transaction, and therefore it was unauthorized ( see new CFPB regulatory guidance ). Banks must repay consumers for payments they did not authorize, and yet both my bank, the scammer 's bank, and XXXX have refused to refund my money. They acknowledge this is a crime, yet they do nothing to protect the victims of it. I now do not have enough money in my bank account to put down another deposit on an apartment that I need. 

How can I get my money back? How can I hold Capital One and XXXX accountable?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry DEPT OF ED Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information from Accurate Backgrounds is incorrect. I have never lived in XXXX, TX.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding BANK OF AMERICA, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to BANK OF AMERICA. 

Upon information and belief, BANK OF AMERICA received notification of my credit bureau dispute. BANK OF AMERICA did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the BANK OF AMERICA Account. 

Upon information and belief, BANK OF AMERICA failed to instruct the credit bureaus to remove the false information regarding the BANK OF AMERICA Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the BANK OF AMERICA Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did BANK OF AMERICA and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by BANK OF AMERICA rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the BANK OF AMERICA Accounts to third parties.
Product: Mortgage

On XX/XX/XXXX, I tried to make two payments to XXXX on the website. The payments were successfully made five minutes from each other. However, the bank only accepted the mortgage payment of {$1200.00} and rejected the cost to the principal for {$1500.00}. I tried to pay {$1500.00} again the following day, and the bank rejected it again, saying I did not have the funds. I contacted the bank and sent them a screenshot of my balance confirming the funds in my account. But they declined to accept my payment to the principal. I called again to XXXX XXXX, and they told me to wait a week to see if the system will fix itself. today, XX/XX/XXXX, I tried again to make a mortgage payment. The online system does not disclose my XXXX account information to make an external transfer. When I enter the bank information again, the system gives me an error message saying that the account is already in the file. Today I contacted the online services. I am at the end of my loan and want to pay off my home, but XXXX is making it very difficult to block me when I see money to the principal. I want easy access to the external transfers and XXXX to follow my payment instructions. If I instruct to add money to the principal, it should go to the principal. Not to pay fees or the mortgage.
Product: Checking or savings account

I opened up a account online XXXX weeks ago and deposited {$200.00} in my account. As I awaited my debit card, I went into the branch and withdrew {$100.00}. After receiving my card and activating it, I went into a branch location and deposited a XXXX financial aid refund. The teller advised me that the funds could potentially have a hold and to check my account after midnight to see if a portion of my funds would be released. I did as instructed and the majority of the funds showed available. 



Fast forward to the next morning, which is Friday XX/XX/XXXX and I placed a online XXXX order to pick up a few gifts for my children. A few hours later, I received a call from BMO fraud department. The individual who contacted asked me various questions re why some one like me would choose to open a account at BMO Harris. I was bewildered by the question and asked for elaboration. The individual stated that He was from the fraud unit and was concerned as to how someone who only had {$200.00} to open an account suddenly came into possession of XXXX. 

He then proceeded to tell me he was going to freeze my entire account, not just the check deposit, until he could speak to someone from my school to verify that I am a student, that they issued the check and the he wants to speak with someone at the bank because he believes the check to be fraudulent. 

Again : I am completely bewildered. I asked him a timeline on when this would occur, seeing as we are XXXX days before XXXX. His response was BMO doesnt care about your holiday. They pay me big money to stop people from committing fraud and Im not letting you walk out of a bank with XXXX that isnt yours. 

Now, Im livid. I asked him if he understood how disgusting it was to gloat about his paycheck when he is freezing my account before the holiday. His response was I dont care, Im compensated well, if you dont like it, file a complaint. 

Calls are recorded, so you can verify what was said. I called back to customer service to speak with another agent. This time, I got a female rep who proceeded to tell me that shes not going to even look at my account because I already spoke with someone. I asked to be escalated to a supervisor and she said no. I told her that I would just go to a branch to see if they would call and she told me that Id just be wasting my time because nobody was going to assist me with a complaint about a XXXX XXXX XXXX. 

I drive to the nearest branch anyway and attempt to log in to my account to see if there has been a update. My User Name, E-mail, Password all rejected. I call back to customer service and they tell me that someone went into the system and suspended my online and phone access. I ask why and they say no notes were left. 

This is petty, unprofessional behavior and I want to make sure they are aware of how new customers are treated as I take my business elsewhere. I can understand holding the check as a business practice. But, being childish, demeaning and disrespectful was not necessary.
Product: Mortgage

My mortgage is wi th Bayview Loans tr ansferred from  XXXX   XXXX  i n 2015. I  have been paying the mortgage promptly monthly. I discovered that all payments were being applied to interest only. I contacted Bayview and was informed that the problem would be corrected. It was not. Later l was informed that the loan was a daily interest loan in addition to the 30 year fixed. I was not aware of this. When l make payments l use the customer service representatives. I ask how much is due each time and l make the regular monthly payment. Recently l found out that the daily interest payment was also due and that is the reason why all payments were applied to interest only. When l receive my monthly statements it does not reflect the daily interest amount and calls each month to the representatives did not indicate that additional monies were due. I think that this is a deceptive practice to cheat me out of my monies for the principle amount on the mortgage. I was never informed by mail or over the phone that additional monies were due. This practice allowed Bayview to take my entire mortgage payment and apply it to interest only. Since l started an inquiry with Bayview l have been given the run around. I received a statement outlying how the payments were applied. The statement was confusing and inaccurate. Recently l have been informed that the mortgage has been transferred. I think that the transfer is an attempt to get rid of my account because their practices were deceptive. I believe l am a victim of fraud.
Product: Debt collection

According to Section 1681i ( 7 ) of the U.S. Code, the method used to verify this account is flawed as it was reported without sufficient evidence. 

I want to emphasize that I did not open these accounts nor did I authorize anyone to do so on my behalf. I have been disputing these entries for some time now. While I acknowledge the importance of accurate reporting, I firmly believe these items are erroneous. Therefore, I urge you to investigate these matters and promptly remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My husband was in the military and very ill and passed away from health complications. I was not aware that the first mortgage was in any kind of jeopardy. I took out a second mortgage and never missed one payment. XXXX foreclosed on this account and then sold the account to XXXX. I was never contacted regarding any collection on this account and consequently I was not able to resolve the collection issue. Because I was never late on the payments, there should not be any lates being reporting. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 10 Inquiries that I do not know about it did not authorize XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I know nothing about these anchors and I would like for them to be removed. Please thank you
Product: Checking or savings account

I noticed transactions on my bank statements that were not authorized by me. multiple transactions even when I didnt have money and I received overdraft fees and the transaction fees, so I called the bank they investigated. They returned some of the money from the transactions to me and said it was fraud but the rest they did not I then went to my local police department and reported it. It is still under investigation with the police and I uploaded the police report to the bank. They open the investigation once again and after five days, they closed all the claims once again now Im at a - {$850.00} in the bank account that I already closed on XX/XX/XXXX because of the compromised account.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information : Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help. Thank you, XXXX XXXX
Product: Credit card

My mail would not forward from my mail box. I got an email. I tried to bill pay citi bank. They sent it back b/c it had no account on it. I tried calling to talk to a person yesterday and today. They barely speak XXXX. They would not refund the late charges. I told them to close the card. The are a bunch of XXXX  worse than the XXXX  XXXX like XXXXXXXX XXXX  XXXX at the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove that following statements off my XXXX report. I have asked you guys over XXXX days ago to remove this and it is still showing. PERSONAL STATEMENTS XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

The only name that should be showing on my report is XXXX XXXX XXXX. Please remove other names. 

Please remove this statement from XXXX XXXX- I HAVE NOT GOT A XXXX FORM I THIS IS INACURATE.