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

Ch XXXX bankruptcy # XXXX filed on XX/XX/XXXX is showing up on mortgage credit teport with a date released of XX/XX/XXXX. This information is inaccurate and has caused a denial of loan to buy a house. I have submitted several disputes regarding inaccurate information being reported on this account and yet it still remains on my report as erroneous information. This is a direct violation of my right under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$660.00}
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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 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 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had a payment due on the XXXX of XX/XX/2023 and paid it on the XXXX of XXXX and they gave me a XXXX late payment, when its only been 12 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}.
Product: Credit card

CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, SC XXXX
Product: Checking or savings account

On XX/XX/XXXX I had received my tax refund and on XX/XX/XXXX I had received my pay check from my employer. On XX/XX/XXXX I decided to make payments for my rent and XXXX car payments. Among other purchases. Moving forward on Friday XX/XX/XXXX my card had declined so I contacted BOA customer service I was then told that my account was closing and that BOA has decided to end our banking relationship and they couldnt provide a reason. I then was told that once all pending transactions go through that I would be able to go into the branch that Monday to receive a cashiers check with my remaining funds. Monday comes and I go to the bank and the baker contacted risk management to se if they could update my account so that I could possibly receive a cashiers check. I was told along with the banker that the bank has submitted in my behalf that will be mailing a check in XX/XX/XXXX to my home. That wasnt acceptable for me and I needed my funds, the baker requested that the risk management submits requests so that I could receive a check in the banks. The request was submitted and risk Managment stated that it could take up to 5 days for a decision to release my funds from the closed account. I contacted this morning XXXX and I am told that the request was denied without reason. I went into the branch and the banker said that there is nothing that they can do I would have to wait until XX/XX/XXXX for a check to be mailed to me. I am okay with the account closing, I do need the remainder of my funds that were in the account. I cant pay my rent or my car note due to Boa canceling my payment for these bills. I am a single mother, I cant purchase food, pay for daycare and now we may be in jeopardy of possibly loosing our home and car.
Product: Money transfer, virtual currency, or money service

I used my PayPal debit card to purchase a rental vehicle after a wreck in which I was not at fault for, XXXX admitted fault 2 days after I paid the rental fees out of pocket. XXXX never refunded the full amount due after being paid from XXXX ( the at fault insurer ) and I submitted a claim to PayPal. PayPal has repeatedly not appealed the case, given me rude remarks, and refused outright to help me in a blatant case of theft although I have submitted proof. They keep telling me they will appeal the case and will contact via email but never do. This has been ongoing for months and every time I call they give me the same conversation like I never called them before. They have received the documents but have done nothing on their end to protect my account from unauthorized charges or blatant theft.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to deposit a check in the amount of {$39.00} using online service. When attempting to finalize the deposit, it would not go through because I got an error message saying that the amount of the check in the amount that I entered did not match. I repeated the effort several times making sure that {$39.00} was entered, which was the amount of the check. After several failed attempts on XX/XX/XXXX, I went to the bank in person and cash the {$39.00} check. Approximately one week later, I received a letter along with a picture of the check, which said duplicate presentment stamped on it and the {$39.00} was taken from my savings account. The issuer of the check has confirmed with her Bank that the check has cleared, but would have to pay a fee to get A copy since she does not get the checks returned to her. The check not being paid is clearly not the issue because it would have been stamped insufficient funds. I have made three attempts to resolve the issue and can not get them to even show me where they ever received and credited me for the online deposit. They simply send me letters with no explanation and no supporting documents. 
I have asked the bank to simply reverse the debit and put the funds back into my account since it was taken an error, but they will not respond. Your assistance is greatly appreciated. Please see the attached transactions on the bank statement and the copy of the check that I received.
Product: Mortgage

Subject : Loan # XXXX To whom it may concern : I received a letter from my old mortgage company on XX/XX/XXXX stating that my loan was being taken over by Specialized Loan Servicing LLC ( SLS ). On XX/XX/XXXX I called SLS because I did not receive any letters from SLS or notification of payment I was assuming at the time my payment was due on the 1st. I spoke with XXXX with SLS wherein she told me that she only saw that SLS has the loan but no other information. She advised that I should make a payment via the SLS portal but that someone would be calling me to introduce me to SLS within a few days. I set up a payment via autopay with my bank on the 6th, SLS received the payment and I set up another payment for the XX/XX/XXXX which has also been processed. 

Today, I got a notification from my bank that my account is overdrawn by close to {$3000.00}. Keep in mind that I have still not received ANY paperwork or the phone call that I was supposed to get last week from SLS. I called the bank to see what was going on and to my surprise SLS took money out of my account WITHOUT PERMISSION OR ANY DOCUMENTATION. So now I have sent you {$6000.00} - {$3000.00} WITHOUT PERMISSION and my account is overdrawn - 10 DAYS BEFORE XXXX!! In addition, after doing some investigation in their portal, I found that a payment was not supposed to come out until XX/XX/XXXX AND that I had requested it - which I never did. What kind of company is this? How extremely unprofessional. 

Further, I called XX/XX/XXXX and spoke with XXXX who had ZERO empathy for my situation and REFUSED to let me speak to a supervisor. Are you kidding me??? A customer who wants to speak to a supervisor should be able to do so - especially if trying to get to the bottom of a very bad situation. She told me that XXXX should have told me on the 6th that I was set up for automatic payment. I told XXXX that XXXX told me she has no information. 

I have been the person that has been proactive. What am I supposed to do??? I still have no documentation of my mortgage being taken over by this company, yet they have {$6000.00} of my money, and absolutely no employees that will help me. What a horrible organization. 

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

Someone stole my identity and opened up fraudulent accounts in my name. I have tried to reach out to Experian, XXXX XXXX XXXX to dispute and they haven't made the changes to remove these fraudulent accounts. I am attaching a FTC report that i have filed. Please remove these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XXXXXXXX Balanced : {$0.00} XXXX XXXX XXXX Balanced : {$830.00}
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX WAY, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a complaint ID # XXXX. However I just recently made a police report but I can't attach to the previous complaint.
Product: Mortgage

We paid off our mortgage on XX/XX/2021 and still have not received our Escrow that is due back to us as of XX/XX/2021 from Guaranteed Rate. We have contacted several people at the Mortgage company several times over the past two weeks and no action has been taken to get this resolved. I have sent a formal complaint to the company involved today and there only response is that it will take another 5-7 days plus shipping time for us to received our money. I do believe that this Mortgage Company, has 20 business days to refund our Escrow. We have made calls, sent texts, and now emails, of which I have full record, of asking about this and we keep getting the runaround and told to keep waiting. We have phone records to show our first time calling about this problem was XX/XX/2021. We have continued to inquire via phone, text, and email since then. Given the consequences we would surely face if one of our mortgage payment was delayed like this, they would not afford us an ounce of patience. I expect them to be held to the same standard.
Product: Checking or savings account

XX/XX/2020 at Huntington Bank XXXX XXXX, XXXX  XXXX opened XXXX XXXX check account. Personal banker Mrs. XXXX took information, deposited initial deposit of {$12000.00} which would be half of balance needed for requirements to receive a {$500.00} bonus. We did a {$.00} test deposit so I could go to my account online and make deposits and manage my account. Followed up a couple days later, still no account, unable to manage account or make a deposit. Not even able to locate an account online. Called bank, no answers as to where my account was in this institution. Returned to this bank 's branch in XXXX XXXX, Illinois to receive my initial deposit of {$12000.00} after several calls and confirming with my banks that checks had cleared for the {$12000.00}. After several calls and waiting was able to receive my deposit. Filed a complaint with Illinois AG Office. On XX/XX/2020 received a call from a Mr . XXXX XXXX of Huntington Bank who basically stated " His bank could refuse to open an account with anyone for any reason they deemed necessary ''. I asked for a reason in my case, he claimed he did not know. 
I asked why he called, he stated just to inform me. I I have 800+ credit score, bank relationships with XXXX XXXX and XXXX XXXX . Purchased a home, mortgage from XXXX XXXX in XX/XX/2020. Why no account with Huntington??? I want them to pay the {$500.00} promotional amount that I was prepared to meet the requirements to obtain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. 


DEPT OF EDXXXX XXXX # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX DPT EDXXXX XXXX XXXX, XXXX XXXX  # XXXX XXXX & XXXX # XXXX, Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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.
Product: Debt collection

I noticed this Bankruptcy is incorrect. I put in disputes to get remove. I havent heard anything within 30 days. By law if you dont here anything it has to be removed from the credit report. I have proof of letter that it was sent it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!
Product: Checking or savings account

My card was used multiple times for unauthorized transactions, the dates and amounts are : XX/XX/XXXX for {$1000.00}, {$1000.00} ; and XX/XX/XXXX for {$1700.00}. A total of {$3700.00}. BOA sent an email letting me know there was suspicious activity on my card. When I called to find out what was happening, I was placed on an extremely long hold, then I was informed that my card was blocked and that they would be sending me a new card ASAP. However, I was never informed of what took place for the block to happen. After getting off the phone with BOA, I realized what had happened in regards to the suspicious activity. I had to wait a few days for the charges to post in order for me to report the transactions as fraud. Moreover, I was asked a series questions about how my card was accessed to which I responded my wallet was lost. I was told my case would be investigated within 45 calendar days, and that I would receive a provisional credit within 10 business days. The case took an unexpected turn when I learned by claim was ultimately denied. I called to find out why, only to be told they didn't have " sufficient '' evidence that the claim was valid. I was very disappointed with their unjustified reasoning, therefore I decided to have it reinvestigated. It was denied shorty after that again. BOA failed to honor my claim, which is a very unfortunate and disheartening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documentation multiple times to TransUnion, from the Bankruptcy Court stating they dont provide information to the credit reporting agencies making with supporting documentation of credit reporting freeze from 3rd party vendors whom publish my information inaccurate. However TransUnion attaches my documentation to close dispute but will not furnish where information is being reported as accurate. When calling customer service they tell me yes we have the documentation but we are leaving the information on the report due to time and year reported. I spoken with supervisors and the try to convents me the the U.S. Bankruptcy Court is reporting as accurate. When I have verification that the Court dont report information to the credit reporting agencies. I been fighting this matter time after time and TransUnion have not produce valid information to why its on my credit report. The Bankruptcy is removed from my XXXX  report as of XX/XX/2019 using the  same documentation attached below ( I attach XXXX credit report proving bankruptcy has been removed )