23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My complaint is against Bank of America ( BOA ), I have a Home Equity Line of Credit with Bank of America. In XX/XX/XXXX, at the end of the forbearance period, I was informed by them that I needed to apply for a modification to exit the forbearance period. I was not informed of any other option. This was confirmed by BOA representative, XXXX, on XX/XX/XXXX. 
When I verbally requested the deferral option a BOA representative told me that I did not qualify for the deferral option. BOA has refused to grant me the deferral option I chose to exit the Covid forbearance period. I requested help from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a HUD-certified housing counseling agency , and they assisted me in drafting a letter to BOA in which I pointed out that I had the right to choose the exit option to the forbearance period, see attached. I have never received a response from BOA to this letter, and in a verbal follow-up a BOA representative informed me that BOA only responds to correspondence from a lawyer.

I have subsequently been notified by BOA that I did not qualify for a modification because my credit score was too low. I was not informed of the requisite credit score for qualification. 
Did I not have the right to choose the deferral option for the forbearance exit or how was I supposed to qualify for that option? BOA did not ever tell me the criteria for the deferral option. 
In XX/XX/XXXX, I resumed making payments, I noticed those payments did not appear to be applied to my current balance ; a BOA representative informed me that my payments were being applied to the missed forbearance payments. 
I am filing this complaint as I believe BOA deliberately misinformed me of the possibilities for the forbearance exit and steered me towards a modification I could not qualify for.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX Recovery One LLC XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Product: Debt collection

XX/XX/2024 - I called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and spoke with a gentlemen who gave the name of XXXX. I advised I received a notice in the mail to appear on a XXXX  on XX/XX/XXXX about a charged off debt for Capital One. I advised him that I would like to work out arrangements. I gave him the XXXX XXXX : XXXX. He asked how much I could pay I explained {$100.00} a month and he asked if I could afford {$200.00} a month which would be for 24 months to pay the remaining balance owed of {$4700.00}. I advised I could not. He stated he would mail a fact sheet to me at my home address which he verified and I never received the fact sheet which was explained by XXXX to include my income and debts to determine my ability to pay to work out a payment plan. 

XX/XX/2024 : I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and spoke with a gentlemen who gave the name of XXXX. I explained I never received the fact sheet in the mail and again he said he would mail the fact sheet. He also mentioned that a judgement was going to be filed against me. He verified my address again and said he would mail the fact sheet to my address. I also asked for the managers name which he gave XXXX for my records. 

XX/XX/2024 : As of today Im filing a complaint because I received another Notice of Taking Deposition Duces Tecum In Aid of Execution to appear on a XXXX  on XX/XX/2024 from the XXXX XXXX XXXX XXXX XXXX XXXX however I never received the Fact sheet I was promised and they refuse to accept the payment arrangement that Im willing to pay. Also this account charged off with Capital one and by law according to the IRS I should have received a 1099 cancellation of debt when this account initially charged off. In addition the law offices representative who I spoke with has yet to send the information requested and Im requesting that all collection activities be ceased as result of Capital One not following the law to provide a 1099 and the attorney office promising to mail a fact sheet and has not provided the information. As well as telling me a judgement is going to be filed against me.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have expressed myself numerous times over the years especially the past year to have EQUIFAX accurately verify this alleged account. I have sent proof of my entity, and I've also expressed that I have the capacity to overstand my federally protected rights. They claim that the information is accurate and valid but have yet to see any proof. They have NEVER provided me PROOF of ANY documentation of my red XXXX signature, that show I gave them written or verbal instructions to furbish information on my credit file. EQUIFAX has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY!
Product: Debt collection

I received a notification from the credit monitoring website XXXX XXXX regarding a derogatory remark added to two credit reporting agencies ( XXXX ) XXXX These derogatory remarks alleged that I had incurred medical/health services debt of {$130.00} in some medical office in XXXX, Texas, since XX/XX/2021. I am confident that I do not owe such debt as I have never visited or received medical care services from any healthcare provider in that area. The collection company Credit Management , LP, by stealing my Personal Identification Information ( PII ), used false, deceptive, and misleading representation in connection with the collection of this illegal debt collection, which affected my credit ratings. 
This company never disclosed any written communication regarding that supposed debt and unfairly and unconscionably attempted to collect a debt I had never incurred. This company intentionally affected me personally by damaging my credit ratings. 
I immediately took action by directly disputing the alleged debt and requested from them all the information needed to clarify this illegality committed by this collection company. The company, in a letter, supposedly discontinues the collection of this illegal debt but identifies the file number, an account identifier, and current balances that can be interpreted as these were assigned in my name. 
According to extensive research, this company has continuously conducted itself unfairly and deceptively against other consumers and me. 

I will greatly appreciate your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I called TransUnion to have them remove the Fraud Alert from my credit file. They asked me a few questions to verify my identity. They said that they could not verify my identity and the best thing I should do is to sign up online and I could request that the fraud alert be removed online. I couldn't sign up online for some unknown reason.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC continues to unlawfully use the US Postal Service to transmit unlawful correspondence to my address. I am uploading proof of the alternate and mistaken names along with written confirmation of Equifax Information Services LLCs knowledge of my correct full name. As you will see from the most recent mistaken variations of my name, it appears the errors were intentionally made. There is no lawful or legitimate reason for this activity, and a host of concerns have surfaced regarding Equifax, Equifax Information Services LLC, and their affiliates creation and use of intentionally defective names/identities. In view of the concerns that have surfaced, all correspondence omitting my suffix shall be returned to Equifax/Equifax XXXX XXXX XXXX unopened without delay.
Product: Debt collection

The account in inaccurate it was closed! The vehicle was paid off. They never reached out to me and I never received a letter. Also my name is spelled wrong, so I know that I did not sign off on this loan. and new balance it went from no payments to paid and closed to a new balance and change from {$10.00} more {$5.00} less on reporting agencies this is wrong and not even reported on all 3 burease this needs to be removed!
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : Company name : XXXX XXXX  - Account # : XXXX - Past Due : {$0.00} Company name : XXXX XXXX - Account # : XXXX Past Due : {$0.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Thanks to the CFPB I was able to get my account settled after it was lost in their system. Now they are reporting I still have a balance when I dont. I am a vet trying to buy a house and desperately need a paid in full letter but they refused for over two weeks after the money cleared my account. After 25 phone calls and six people each day I am now getting them to fax a letter but it takes up to 48 business hours and the last one was supposed to be sent four days and my lender didnt get it. So 20 calls later they are resending it and of course it will take another 48 business  hours because they refuse to expedite it. They also refuse to give me to a superior stating that no one is there at the moment.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, TransUnion, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX ) I am Attaching identity and proof of address.
Product: Credit card or prepaid card

I received a note today that CapitalOne would be closing my account due to inactivty. They put me in restricted status saying they'd close my account in 3 months. There was no prior notice and I had been receiving my status and promo emails from them as usual. 

When I spoke to customer service agent she told me there was nothing that could be done and connected me to a manager. He told me that " CapitalOne made a business decision to close my account '' since I had not used it in the previous 37 months and they believed I " had no intention of using the account ''. 

Why does my intent to use the account matter? Why did they not send me notice before there was no intervening? I am not pleased with CapitalOne since their decision, which had no negative impact on their company, will cause my credit to shift around based on the limits and age of this line of credit.
Product: Checking or savings account

Attempted to issue a cashier 's check for a home closing on XX/XX/2021, but was unable to via mobile app or web. Also attempted a wire transfer. In both cases, was unable to - only receiving the message " we hit a snag ''. Called customer service line and was told they would investigate but no timeline was available for resolution. Called back on XX/XX/2021, to follow up - given the urgency - and was told the same and offered no alternative to execute the transaction. At this point, I'm unable to move forward and my home closing is in jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, I noticed a collection on my credit reports from XXXX XXXX XXXX that was incorrect. After disputing the information with the collection agency, the agency agreed to remove the negative trade line from my credit report. In XXXX, XXXX and XXXX  sent me documentation showing that they removed the account from my credit report while Equifax continues to show the negative item. I 've sent them documentation that I 've received from the CFPB as well as the collection agency showing that they have agreed to remove the account, but Equifax continues to report the negative information. I 've contacted the collection agency and they have advised me that they have sent the information to remove the account on multiple occasions due to Equifax saying they have n't received a request to remove it. I 've spoken with Equifax multiple times to resolve this issue, but they keep advising that the debt is valid when I as well as the collection agency has submitted the documentation showing the account was to be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been reporting inaccurate information on my credit report for months. They were reporting my car loan account opened when it had been closed for months. This caused multiple credit denials. They are continuing to report inaccurate payment history after multiple reinvestigations. XXXX is providing false credit reporting as its stated with the lawsuit with the cfpb. XXXX and Transunion are not doing a through investigation. This is misleading.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

On XXXX XXXX my account was wiped out of {$1700.00} and left negative {$11000.00}. I called and the bank said a friend that was making loan payments to me for money he borrowed has reported all the XXXX 's as fraud they asked for proof and I emailed and faxed them proof multiple times and they claimed to never receive anything but I got confirmations of the faxes that they were received so on XX/XX/XXXX they made a decision without looking at my proof of the payments and conversations between me and XXXX XXXX and came to the conclusion that he reported half of the transactions to late so they refunded him half totaling in {$5700.00} leaving my account now negative {$4300.00} instead of {$11000.00}. I called the bank XXXX different times trying to find a way to appeal the decision and they said that it was a final decision that I can fight the problem outside of the financial institution. I've been denied help they never even attempted to listen to my side of the story. They just wiped my account clean and left it in a negative state this has effected many of my bills and I just don't know what to do anymore I tried contacting the person but he was sent the {$5700.00} they removed from my account so he has since blocked me a threaten that if I did anything about it his brothers from a gang know where I live. I just want my money back I thought XXXX was a trusted payment source I have always used my XXXX confirmations to make sure of all payments sent to me and because someone stated it he never made the transactions they just took his word and reversed them. That's not cool and I want to know how I can get this issue resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following ITEMS as they are fraudulent & were opened without my consent or knowledge Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from alleged identity theft. I do not consent to XXXX or any means of automated verification. 
XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX & XXXX Date Updated : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was set up on ACH with TD Auto Finance and had no issues until the last payment. They did not auto draft the last payment and I was not aware of this until I saw the mark on my credit report. I contacted the company and they said it was there policy to do this with every account. I should of been contacted by them by phone, email or even mail. They said they sent a letter stating this to an old address. They should realize that I am an upstanding customer after 60 months of payments with never being late once. They are refusing to take any blame in this and will not submit a reversal of the late mark with credit companies. I was told by the customer service that they would but then received a letter later stating that they would not. I have called back multiple times and spoke with a manager named XXXX XXXX with was extremely rude and not willing to help at all.
Product: Credit reporting or other personal consumer reports

XXXX  # XXXX My historical information is inaccurate and incorrect. Please reflect as all payments paid on time. As this is effecting my history which impacts my credit score as im in the process of purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and mailed XXXX, Experian, XXXX, and XXXX XXXX XXXX XXXX regarding this account on XXXX XXXX, XXXX.
Product: Debt collection

These are the following accounts TransWorld Systems Inc/XXXX XXXX # XXXX TransWorld Systems Inc/XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Hello, I swapped jobs and though this load was paid off. I was never contacted that the load was still active or going into collections. Once this showed up on my credit report which dropped XXXX points is the first time I knew this was open. I paid the balance right away and now would like to have this deleted from my credit. 

I'm a XXXX veteran and the company not contacting me and destroying my credit is not right.
Product: Credit reporting or other personal consumer reports

Today, I found errors in my credit report that I can not explain. When I checked it, as I usually do, I noticed discrepancies that hadnt been there before. I attempted to refresh my browser in case it was a temporary issue, but the incorrect accounts still showed up. Due to this problem, I kindly ask for a detailed review of the documents I have submitted to ensure this is permanently resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX I sent in a letter requesting for all accounts being reported to my credit profile to provide documentation proving that the debt belong to me and is accurate. As part of the verification, I requested the original contract signed with my wet signature and complete payment history from the original creditor. However, I received a mailed letter with neither. In accordance with the Fair Credit Reporting Act, the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX  Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C.1681 section 602 a states that I have the right to privacy.

15 U.S.C.1681 section 604 a section 2 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 the records of convictions of crimes which antedates the report by more than seven years.

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