23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am complaining cause DBF collect is reporting a collection on my credit report on behalf of XXXX XXXX. This was a result of someone stealing my identity I have filed a police report with my local police department. I tried to contact DBF collect but to no avail been able to resolve this matter. I am attaching a copy of my police report
Product: Credit card or prepaid card

I am to complaining about Bank of America 's response to my previous complaint XXXX. 
The company 's response is not accurate. They statement about body build type and hair XXXX match is weak and insufficient. What's the specifications? Do they even know how I look like? Have they sent the videos about the illegal withdraws along with my characteristics to CFPB? I would like to see them myself. I firmly say that they company 's response is fraudulent along with those withdraws. 

I had called XXXX XXXX numerous times and left numerous messages. The company has NEVER returned none of those calls or followed up with me. I will be glad to send a detail statement from my mobile company provider to prove all my efforts. I was robbed! Bank of America does not only lacks on service security, client protection, but are also inefficient to resolve clients ' issues. The first reported illegal withdrawal was in XXXX, over 10 months ago. After months trying to solve the issue untunefully with the company, I filed a complaint wit CFPB on XX/XX/XXXX, and they had only responded almost 6 months after, today XX/XX/2020 with a weak statement that doesn't prove anything.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EQUIFAX credit report XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generally, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, WY XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$1300.00} ; XXXX XXXX  XXXX XXXX Balance : {$5500.00} ; XXXX  XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00} ; XXXX  XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXX XXXX  Balance : {$230.00}.
Product: Checking or savings account

XXXX letter received that the lease on safe deposit boxes and checking accounts are cancelled with no explanation. Annual fee paid on safe deposit boxes in XX/XX/XXXX. 
XXXX went into branch to withdraw money and items from safe deposit boxes. XXXX XXXX denied the withdrawal. Sent home and asked to call a number - ( XXXX ) XXXX " Compliance '' on the line left a note on account allowing the withdrawal and mentioned that the refund on the safe deposit box will be processed once the account has been closed XXXX lease on safe deposit box cancelled on XX/XX/XXXX per letter XXXX called chase to get refund on safe deposit box. CSR on phone mentioned that they can't process the refund over the phone and need to go to branch for the refund to happen. CSR mentioned that If branch can't process refund, have the branch call them. However, when we arrived at branch, the branch mentioned that we can not receive a refund because the account is already closed and that there's nowhere to refund the fee to. We called CSR, but they mentioned they can't process the refund on the phone ( as we were told before ) but provided no further instructions to the branch on how we can get the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. XXXX XXXX BANK- XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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
Product: Debt collection

I have not opened an account with XXXX XXXX XXXX.I am not aware of any of the activity on the credit card. It does not belong to me.
Product: Checking or savings account

Unfair business practices should not continue upon hard working US citizens.
In my case, and I am sure MIllions of others, has experienced this type of travesty from banks of excessive overdraft fees in one day.
My question is ; how is it determined what transactions are posted first and the amounts?
As well as how transactions are posted is determined, I should not get a fee as a result, as this is again, OUT OF MY CONTROL?
All least transactions should be posted within the available balance and overdraft fees assessed there after on items over {$100.00}.
As a small business owner and single mother, I can not afford the avalanche of overdraft fees that caused major destruction on my account that has caused me to be delayed in paying my mortgage and condo fees.
This is a travesty and should not happen to any one else, for example ; a {$38.00} fee for {$2.00} cent charge.
Due to my long outstanding loyalty and relationship with Suntrust Bank ; I deserve to have all overdraft fees waived as Im not in control on how the banks process payments and when the merchants collect their money and according to my records at various times between the XXXX-XXXX there were credits to my account that would have covered the posted charges.
I should not be charged with these excessive fees of over {$400.00} due to posted debits and credits timeframes out of my control.
As a loyal client the bank should make sure my account is protected, and if charges are to be assessed they should be minimal.
Product: Credit reporting or other personal consumer reports

Credit inquiries that i did not authorized : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I have a credit card through synchronicity Bank. The credit limit is {$2500.00}. 
Since opening the card I have made several payments. XX/XX/XXXX tuna {$50.00} XX/XX/XXXX XXXX  {$50.00} XX/XX/XXXX XXXX  {$50.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$500.00}. The last payment of {$500.00} made on XX/XX/XXXX was taken out of my bank account on XX/XX/XXXX. Today is XX/XX/XXXX and the credit has not been posted to my available credit. I was told a hold was placed on my account and will be in place for another 3 days. This card offers a 2 % cashback reward. I believe that I am being discriminated for my ability to pay my card and earn reward credits.
Product: Debt collection

National Credit Systems is unlawfully reporting an account on all XXXX of my credit reports that does not belong to me.In contacting this debt collecting agency to request debt validation for the account ( XXXX apartments ) I was told that the wrong information was uploaded to this account, that supposedly belongs to me, ( that there was information there under this account with my personal information on it, but that the documentation that they have to support it is incorrect and belongs to someone else ) and that they did not have any type of original contract etc to provide at the moment. I was also told by the representative XXXX XXXX XXXX that she would request this information from the said original creditor and to wait a weeks time. I also spoke with XXXX 's supervisor XXXX XXXX XXXX XXXX who also advised me of the same thing, that he would request this information and to wait a weeks time. It is now concluding week XXXX and I have yet to receive and type of documentation. After first waiting for a response, I decided to contact the original creditor ( XXXX apartments ) and spoke with the manager directly who informed me that there was no knowledge of an account under my name. She also stated that if there were, the agency should have it, which again, both the representative and her supervisor stated that they did not but that they were requesting. I then contacted the agency again and was informed by XXXX that there were XXXX request over the past few weeks made by both herself as well as her supervisor, but nothing was ever received. XXXX then stated that she did not know what was going on and that she could only inform me of what she was seeing which was that someone else 's information had been scanned to an account that supposedly belongs to me and that XXXX requests were made to obtain this information but that nothing was ever received. I was then transferred to her supervisor ( XXXX XXXX XXXX who stated that they would no longer take anymore phone calls from me and that I needed to have an attorney contact them, which I find odd since they are reporting me in an attempt to collect a debt which again does not belong to me. XXXX XXXX then disconnected the call while I was still attempting to inform him that this creditor stated that there was no documentation of any kind.
Product: Credit reporting

Equifax is reporting an account that does not belong to me on my credit file. XXXX XXXX XXXX XXXX # XXXX I disputed with them and they are stating that the company validated this debt. This is incorrect the debt does not belong to me. I have disputed this debt with XXXX and they XXXX deleted the debt because the COMPANY NEVER VERIFIED I. Equifax refuses to remove this debt. I 'm asking Equifax to either provide me and the CFPB with the proof that XXXX is validating this debt reporting or DELETE IT FROM MY FILE. this incorrect reporting is damaging to my credit file
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00}.
Product: Vehicle loan or lease

I have been married to XXXX XXXX since XXXX. I came to the XXXX in XXXX and faced extreme XXXX XXXX XXXX XXXX  abuse by my husband. He used my information without my permission and took out many credit cards and also took a car loan. He left me in XX/XX/XXXX and stopped paying for any of the cards. 
XXXXXXXX XXXX  Took out in XXXX XXXX XXXX XXXX XXXX XXXX  bank>Took out in XXXX XXXX XXXX XXXX. XXXX Credit card? Took out in XXXX XXXX XXXX US Bank loan for car? Took out XXXX? Loan number XXXX He used to force me to deposit my paycheck in a joint account and used the money for making minimum payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the files that are attached. I want the bureau to look into these accounts where they are reporting me as being late regardless of the fact that I am always on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset after seeing my credit report and noticed these inaccurate and unverifiable accounts, because to my knowledge I do not recall any of these accounts I need this problem get fixed asap. I will not wait another 50 days to receive no response because you obviously ignoring me. Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days over so they should be deleted promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! This is my Final and Last attempt to file a complain in the 3 BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 BUREUAS the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I opened an account with XXXX XXXX XXXX. I had a CC with this company for under or right at {$1000.00} and I missed one or two payments in a row due to a rough time in my life. I came to find the account was closed without them notifying me. It was then passed along to XXXX XXXX XXXX. I have tried to work out a deal with them to pay off this debt. To no avail. They offered to have me pay off half of the debt which is about {$500.00} in one lump sum. I asked if theres any other options and they said yes, to pay the full {$1100.00} is dollars over time through multiple payments. They would n't offer a discount off of the total owed including fees.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter to XXXX, XXXX, and Equifax to investigate my inaccurate accounts on my credit report. It has been over 45 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 45 days so they should be deleted immediately.

I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong persons. 

The evidence will be attached below.
Product: Credit card or prepaid card

I received a statement from Target on XX/XX/XXXX in the amount of {$31.00} that was paid in XXXX ( Check No. XXXX ) which was cashed by Target Bank on XX/XX/XXXX. On XX/XX/XXXX I received a statement in the amount of {$61.00} which included the XXXX balance of {$31.00} plus a non-payment fee of {$30.00}. on XX/XX/XXXX we called Target and were told to send our bank information as proof of payment. The proof of payment was faxed to ( XXXX ) XXXX as requested on XX/XX/XXXX as requested during the XX/XX/XXXX call with Target. .On XX/XX/XXXX I received another bill from Target with an additional {$29.00} fee charged bring the balance to {$90.00}. Target was contacted again to remind them this account balance was under dispute. On XX/XX/XXXX I received confirmation of the credit card billing dispute saying I would not be billed while the account was under dispute. On XX/XX/XXXX I received another collection letter from Target. Called again on XX/XX/XXXX to discuss the dispute issue and find out when it would be resolved. Today I received a statement dated XX/XX/XXXX with another {$33.00} late fee bring the balance due to {$120.00} along with a letter from XXXX XXXX XXXX XXXX debt collector for the amount due. I called again today and realized it is useless to continue to contact them regarding regarding this issue. They promise a Dispute Manager will get back to me and no one ever calls. I have an excellent credit record and am concerned that their inability to resolve this issue will affect it. Thanking you in advance for your assistance.
Product: Mortgage

Since XXXX my mortgage had been serviced by XXXX XXXX. During the pandemic I took the full 18 months of forbearance. In XX/XX/XXXX, I applied for a modification. When I did not hear back from XXXX XXXX I contacted them and was told my loan was transferred to Shellpoint Mortgage. That was to go into affect on XX/XX/XXXX. My loan went from being XXXX XXXX  to a private mortgage. I have finished the loss mitigation process with Shellpoint however their modification is raising my interest rate from 5 % to 6 % in my modification. My payment has increased over {$300.00}. Part of this is due to an escrow shortage which I am willing to pay. This is causing extreme hardship on me because the terms of my modification are worse than my original mortgage. They said I was not eligible for a deferment. They are also reporting to the credit bureaus that they have owned and serviced my mortgage since XXXX when they didnt get it until XX/XX/XXXX. This is causing them to report me as being over 120 days late and has tanked my credit score. They are not posting my trial payment plan payments correctly. First payment went into unapplied funds which I expected but the second payment was posted as if it were a late payment from XX/XX/XXXX. I am due to make my final child plan payment XX/XX/XXXX but I am hesitant because of the conflicting posting of funds. I was current with my mortgage at the time I started my forbearance with XXXX XXXX. My fear is that Shellpoint is trying to force me into foreclosure in order to take my property. I have 60 % equity in my property. They stand to make a big profit upon resale. I am a XXXX senior and I am wanting to stay in my house until I am no longer able. They keep telling me that the private lender guidelines allow them to make their own decisions and they dont have to follow Federal regulations. I know this to be untrue because I worked for a major mortgage company as a senior compliance officer for 12 years prior to becoming XXXX in XXXX. I am on a fixed income and at the moment the only way I can afford to make this payments is to supplement them from my small savings. I want to know if they are allowed to increase my interest rate when modifying my loan. It is my understanding that modifications are to alleviate hardship and not to cause additional hardships.
Product: Mortgage

This company takes peoples escrow and does not pay the taxes or insurance. This is stealing. They need to be investigated. They are profiting off people by means of fees, extra payments. They send out statements after theyre due then charge the homeowner with a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made arrangements on this account XX/XX/XXXX and XX/XX/XXXX. During that time I was unemployed and there was a extensive waiting period for unemployment benefits. I was able to make payments with my income tax return and my stimulus check however with my unemployment still pending I fall behind on all my bills. 
I was in communication with XXXX XXXX. 
The late payments were reported to the credit bureaus. Per the CARES ACT if the borrower makes arrangements of any kind it is to continue to report the same prior to the delinquency. XXXX XXXX failed to report it correctly. And the credit bureaus have failed to comply to the cares act. 
XXXX XXXX Account Number : XXXX Late payments reporting XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

XXXXRAYMOUR & FLANIG account number XXXX This account is not my account I have already applied for a dispute, but it has not been accepted. 

It was also XX/XX/2020 that I first recognized. The first dispute is XX/XX/2020 Currently, I filed a dispute with XXXX XXXX.