23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Bank of America took {$1500.00} plus {$120.00} out of my savings account on XX/XX/XXXX. 
Reason said LTS Legal Svc and Legal Fees. 
I knew i had no outstanding debts. 
Called BoA XX/XX/XXXX. After several calls was told i needed to call NJ Courts to get ANY info. This started months of getting the run around. 
I was able to get a copy of the official NJ Civil Suit. IT IS NOT IN MY NAME. But the person 's address is mine. 

The letter from BoA advising me of a debit to my account clearly states another person 's name in the subject line as well. This letter was late in being received. The person named on the suit/letter formerly lived at my address. 
In summary, BoA took MY money for someone else 's debt. 
In the last few weeks i have been in contact with their XXXX customer service. They have the situation as " escalated '' at this point. They're waiting for lawyers to get back to them. I demand my money returned to me now.
Product: Credit card or prepaid card

I am writing to SYNCB/ROOMS TO GO ( Opened XXXX XXXX, 2018 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting SYNCB/ROOMS TO GO agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a joint owner of a HELOC loan with my soon to be ex-wife. Prior to our separation, my wife unilaterally, and without my knowledge and consent, put our home mortgage and HELOC loan into forbearance using the CARES Act. On XX/XX/XXXX, my wife went into a local PNC bank branch and changed the contact information associated with the HELOC loan, which removed my contact information, and changed all contact information to include only herself, for phone, email and an address located out of state. Since that time, she has unilaterally modified and continued the forbearance, and eventually agreed to a repayment plan once the forbearance period ended. I at no time was present or a participant in any of these decisions, nor was I notified by PNC that these actions occurred. 

I found out in XX/XX/XXXX after getting an alert from my credit reporting agency that my credit score had dropped nearly 100 points, that the terms of the repayment plan had not been met for the months of XXXX and XX/XX/XXXX, making my account 60 past due. I immediately paid the past due balance and notified the bank of the issue. PNC confirmed that I have never had a late or missing payment in my history of business with them and I also have no other accounts on my credit report showing any missed or late payments in my entire history. I officially disputed the missed payments through the proper PNC process and was denied. 

At no point did PNC contact me via phone, email, or traditional mail to alert me that I was my forbearance ended, that I was missing a payment or that they were trying to collect a debt. Because of the 60 day late payment reporting on my credit report, I am now unable to refinance my family home, where me and my two children live, and which I have agreed to do according to the terms of my divorce agreement. I am told by my mortgage broker that I have to wait a year until I can refinance based on this reported delinquency, which because of the terms of my divorce agreement, will require me to sell my home in the next two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report dated XXXX/XXXX/22
Product: Credit reporting or other personal consumer reports

Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN IXXXX 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: Consumer Loan

I financed a car through XXXX XXXX in XX/XX/XXXX. After missing two payments, my car was illegally repossessed by the company. I never received a delinquency letter, or a right to cure prior to the repossession. After the car was taken, I contacted the company and was told that I had to make up the delinquency immediately to regain possession of the vehicle. I was not allowed t to retrieve my personal items from the vehicle, nor was I given anything in writing, detailing the amount I owed. I received a letter a few months later stating the car had been sold at auction. I was never informed of any remaining debt owed on the loan. There were never any attempts of collection. I contacted the company twice asking for validation of debt but no calls were ever returned. 
In XX/XX/XXXX, I received a XXXX from the company, demanding that I declare the uncollected debt from sale of repossession, on my tax return. I have never received any information stating that I owe this debt. XXXX XXXX has had 5 years, under South Carolina 's Statute of Limitations, to pursue this debt, either through the court systems, or by legal means of debt collections. I have never been given the opportunity to validate the original debt, nor have I been given the opportunity to settle the debt under FDCPA laws. It 's not fair that I should have to add " income '' that has never been validated, to my taxes.
Product: Checking or savings account

Been over with well Fargo for over XXXX years And they been over charging me that long
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries XXXX XXXX through XX/XX/XXXX were not provided full credit report and score. No score. No correct trade lines. 
XXXX did not advise until XX/XX/XXXX of issue. 

Ive been consistently denied credit for over 1 year and misinformed by XXXX until recent. My bank did not open trade lines and renew because of this.
Product: Debt collection

Advcollbur - Advanced Collection Bureau is reporting a debt owed of {$2400.00} on my XXXX  credit report they are reporting inaccurate hold no validation of proof for this debt being my responsibility information and have yet to remove the inaccurate information as agreed
Product: Credit reporting or other personal consumer reports

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V states that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete, and this has not taken place. I have repeatedly tried to contact credit bureaus and resolve this issue and have been unsuccessful. I will include a copy of my police report and FTC report with these complaint as advised to do so by credit bureaus.
Product: Checking or savings account

On XX/XX/XXXX I made a mobile deposit for my payroll check. I deposited it once and slipped it in my back pocket. I recieved the funds and then one week later on XX/XX/XXXX the funds were removed from my account and I was XXXX. The check was reversed because according to my bank XXXX Bank of America ) the check was deposited twice. I only deposited it once and you can see from my bank statements I only did it once. I filed it as fraud but they refuse to at least give me credit and I had to imburse the funds with my college money so I wouldn't be negative and now the time has come to register for my classes and I'm late as is and can not because I do not have any money and this issue has not been resolved with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX- XXXX XXXX credit card payment XX/XX/XXXX- XXXX XXXX money withdrawn " big amounts '' well it 's my money so.!!! XX/XX/XXXX- XXXX XXXX auto loan payment XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX , Ks XX/XX/XXXX- XXXX XXXX XXXX new account
Product: Credit reporting or other personal consumer reports

This account was paid as agreed ; I was never late. XXXX is showing me late for the month of XX/XX/2022 I demand this to be corrected.
Product: Mortgage

My lender mailed me correspondence stating that my mortgage payment was due to increase effective XXXX XXXX, 2015, due to increase in tax amount. I disputed this because they were basing my amount from the previous owners taxes and it did not reflect my homestead exemption ( credit ). Called my lender and was instructed to go to my local tax office and obtain the estimated taxes for 2015 and then fax that along with the letter to a number that was given to me for the tax dept. On XXXX XXXX I went to my tax office an obtained the document that was now available. Faxed it directly along with the document that was sent to me from the lender to the number given then called to check that it was received. Confirmed it was received. Was told that it would take a week or so and that the monthly payment would be corrected to reflect the exemption and new tax amount. Was instructed to make the " new higher '' monthly payment XXXX XXXX, 2015 so that we did not default and any overages would be refunded. As of today we still have never been contacted by anyone from Pacific Union Financial regarding are payment issues. We had been in constant contact throughout the month of XXXX with the lender because we had a new baby and our payment was going to be slightly late. We were told numerous times by customer service agents that it was ok, this was our XXXX late payment, no late fees would be added, and any other fees that might apply would be waived. We felt certain all would be fine since lender instructed us that it would be. We did make the payment before the month ended. 
On XXXX XXXX, 2015 called Lender to discuss the payment/ taxes. Was told by CS that nothing could be done until XXXX 2015, which is in direct contradiction to what was originally told to us by the tax department! Asked to speak with a manager immediately, or someone in authority. No one was available and was told I would receive a call back, no one called back. Next day, someone did phone my husband and again said nothing could be changed until XX/XX/XXXX, so he requested to speak to a manager or senior manager to discuss all the issues that we have been having. As of yet, no one from our loan company has contacted us. 
Yesterday we decided to look into refinancing the house to get away from this lender, the XXXX lender I contacted informed us that in XXXX 2015 our lender filed with the XXXX major credit bureaus a 30 day late notice, making both myself and spouses credit scores drop XXXX-XXXX points, putting us into a lower bracket that we now do not qualify for a refinance. This is extremely unsettling considering our lender numerous times as we were in contact with them stated that our account was fine, no fees or actions to the account would be taken. We have been lied to, mislead, and still have open ongoing payment and tax issue with this company that refuses to contact us or attempt to fix the situation, we have no idea what we can do next!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not FIX these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

there are several accounts that I have advised that are not mine these were opened from identity theft and have not been removed I have gotten a police report recently that lists all of the accounts that are fraudulent and a notarized id theft affidavit
Product: Checking or savings account

On XX/XX/XXXX I opened a chase bank personal savings & checking account ; on XX/XX/XXXX someone has gained access to my email account & progressed to hack into my chase bank accounts & mobile deposit fraudulent checks. Chase bank has undergone a thorough investigation with the loss prevention department & also the fraud department & concluded that I was indeed a victim of fraud. 

The loss prevention department insisted that I schedule an appointment with a branch to establish & reopen my accounts. On XX/XX/XXXX at XXXX I attended my appointment for my chase bank to be reopened & the banker who assisted me with this request REFUSED to assist me with reopening my accounts ; this individual has undergone DISCRIMINATION & PREJUDICE AGAINST ME AS A CLIENT due to history prior to this event taking place & the banker not understanding the situation itself properly. This banker needs to be FIRED & I WOULD LIKE TO SUE. This banker stated that he could not open my account due to him not wanting to at a branch level be responsible if reopening this account. He didnt state that I CAN NOT reopen my account due to any circumstance on file OR ANYTHING. AFTER THIS HE THEN FILES A CREDIT CARD APPLICATION XXXX MINUTES LATER FOR ME AFTER STATING ALL OF THIS. AFTER THIS HE THEN SPOKE WITH ME ABOUT CORPORATE MUSIC IXXXX XXXX BECAUSE HE WAS UNAWARE OF THE XXXX XXXX  I OWN. HE THEN HANDS ME HIS PRIVATE BANKING CONTACT INFO TO REACH HIM DIRECTLY AND VERBATIM STATES TO KEEP IN TOUCH & THAT XXXX SEE WHAT HE CAN DO TO REOPEN MY ACCOUNTS??? THIS IS AGAINST POLICY 100 % & ENTIRELY AGAINST THE LAW.
Product: Credit reporting or other personal consumer reports

I was late on my payment in XXXX of XXXX to my Fortiva credit card due to an issue with the app. I had forgotten about it after multiple attempts that day. I was notified on the date of my next payment ( XXXX of XXXX ) that my previous payment was late. I then paid {$1000.00} to the credit company instead of the much smaller minimum payment in hopes it would resolve the issue. I have just noticed that this issue has market my credit report with a late payment. I contacted the credit company and requested if it were possible to have the late payment removed considering I paid a much larger sum of money when it came to my attention. I was told that there was nothing that they could do and that the late payment mark will remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint with the help of the CFPB today to inform both the CFPB and the Credit Reporting Agencies that I was a victim of identity theft. I have conducted a research on how to remove the fraudulent accounts as well as inforamtion in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the deletion of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND 1099 C TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATA. I AM SICK OF THIS. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Money transfer, virtual currency, or money service

All assets I purchased also USD overcharging, and selling my crypto currencies, I deposited about {$5000.00} total within a year and my account balance says $ XXXX. When I continued to try to dispute this, all they kept saying was " we cant access this until you pay the XXXX to unlock the account, for what I don't know, but yeah all the purchases and conversion and interest and gains from the following statement from the company. I would like returned to me, or better yet a cashier 's check from all sales of assets combined, mailed to me and close the account
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 generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late on the final payment of an auto loan, and now my account shows a delinquency. This impacts my credit score as I look to refinance my mortgage. Other than this, my wife and I have a pristine credit history. This is not a financial issue as my wife and I have more than sufficient assets.

I had a XXXX XXXX XXXX  5 year loan financed through JPM auto. I thought that my last payment was for XX/XX/XXXX, as I had received letters indicating such ( which are now long gone ). Some confusion between XXXX XXXX XXXX and JPM Auto. My mistake, apparently. I own this error, but extenuating circumstances As of XX/XX/XXXX, we left XXXX due to Covid and have since been at our weekend house. At the end of XXXX, my wife picked up the mail in the City. This is how I learned that I still owed another payment. I made that payment as of XX/XX/XXXX and JPM released the lien on XX/XX/XXXX. Therefore, loan was paid in full. 

I can send all documents if there is anything that can be done. 

The problem is that JPM reported this 30 + day late payment to the credit agencies. Therefore, dropping the credit score for me and my wife by over 50 points. This is relevant as we are looking to refinance a mortgage, and our credit score impacts the rate. 

As you might understand, a Pandemic is a pretty good reason to make such a purely accidental payment error. I spoke to JPM. They refuse to send a letter explaining ing such to the credit agencies. 

I spoke to XXXX. They said that JPM could send a letter explaining the situation and noting that the account is paid in full and that Covid was the primary issue for this error. 

JPM says that they have reported the incident per legal requirements and their obligation ends there. This error will now follow me around for 7 years. 

Is there anything that can be done? Seems rather unfair. 

Account Number : XXXX VIN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports inaccurate accounts that has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, collection accounts that reports an open account status. {$0.00} balance owed accounts that reports an inaccurate account status and payment status. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover the open accounts Payment data history does not coincide on any accounts, TransUnion Last payment does not coincide with TransUnion payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.