23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, Portfolio Recovery placed a collection notice on my credit reports. This was their first and only action against me. They did not make any attempt to collect this debt from me or gave me the opportunity to dispute it. The facts are as follows : I made an arrangement with XXXX XXXX to repay the credit card debt. I paid it down to {$1600.00} according to the plan. Then I was unemployed with no income for the entire summer. I wrote XXXX XXXX to tell them to stop taking the payment out of my account as it kept being returned for NSF. They complied with my request. 

In XXXX, I applied to XXXX XXXX for a credit increase to fix my house for sale and it was denied based on a " seriously delinquent '' account. When I checked, I saw Portfolio Recovery had place a collection notice for {$1900.00} on all of the credit bureaus. I wrote them a Cease and Desist letter requesting that they remove it but they ignored me. Also, I disputed it but it was not removed. This company never contacted me at any time prior to placing it in collections which violates my rights as as consumer. Also, the amount is incorrect and XXXX XXXX has it listed as a charged-off debt with the credit bureaus. Therefore, Portfolio can not have the same debt listed again with the credit bureaus. This makes it a duplication and lowers the credit score.
Product: Checking or savings account

On XX/XX/2021 I signed a check over to my daughter XXXX XXXX who deposited into her account. The amount was XXXX Key Bank in XXXX WA. On XXXX XXXX. Cashed it then removed the funds out of her account. They did freeze the account but would let her get her work check out once a week on a frozen account well the check was not fraud and my daughter went homeless because of what they did. They did not return the check to the issuer instead said I need to get a harmless agreement from XXXX XXXX they said no because they cashed the check and said they need to return funds to XXXX XXXX and they would issue me a new check it's been a year now and still want XXXX XXXX to right a harmless agreement help I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on accounts I have listed below. After which I also filed a complaint with the CFPB ( Consumer Financial Protection Bureau on XX/XX/2022 for improper usage of my credit report. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX US BANKRUPTCY COURT Account Number : XXXX Account Name : XXXX XXXXXXXX US BANKRUPTCY COURT Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report from equifax and XXXX its being fraudulently reported that i still have late payments on closed accounts this is illegal according to chp 15 USC 1681A a credit reporting agency can not report closed accounts as being late this is a violation of my consumer rights and I look to start litigation with XXXX XXXX, XXXX AND EQUIFAX IF THESE ACCOUNTS ARE NOT REMOVED. THE COMPANIES IN QUESTION ARE XXXX XXXX WITH AN AMOUNT OF XXXX AND XXXXXXXX XXXX WITH AN AMOUNT OF XXXX AS OF XXXX, XXXX XXXX REMOVE IMMEDIETLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative dispute on my account that both parties say its their fault that they will not take off. Its been payed. 

Also, I have a legitimate claim on an individual and individuals who claimed they had my mortgage secured. They completely lied about this and my Property was foreclosed. I have all the documents and emails to prove this. 

Lastly, I was involved with two lawsuits and the lawyer who was in charge of these showed no documentation whatsoever. These lawsuits were against ex business partners. I still hold all the emails and legal contracts.
Product: Credit reporting or other personal consumer reports

BridgeCrest has inaccurately reported to my credit file ( all XXXX bureaus ) that I am late on my payments. This information is inaccurate and has put an abrupt stop to my home purchasing plan in which I have worked too hard for. I have requested and requested that BridgeCrest report the information correctly. They have NOT taken any steps to correct this information. I have provided the documents necessary and paid the balances in due time to avoid negative reporting. My loan is not late and has never been late! My account balance with BridgeCrest is not correct either. They have charged my account with fraudulent XXXX fees in which my bank will prove they have never attempted payment when enrolled in the XXXX program with BridgeCrest. I have had my ban account for 23 years and it has never changed on my account for BridgeCrest. Their fees are in different amounts every single time. They refuse to remove these fees in the amount of {$81.00}. I have taken the XXXX XXXX and continued to pay so my account would not fall behind, but it doesn't make these charges accurate either.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Incorrect DOB  : - XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX NXXXX | XX/XX/XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX  XXXX | XX/XX/XXXX XXXX  XXXX XXXX  XXXX | XX/XX/XXXX
Product: Credit reporting

I am a victim of identity theft and have been a victim of identity theft for over 15 years. The following accounts and credit inquiries are unauthorized, fraudulent and the result of identity theft : XXXX Bank, Bank XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX BankXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Rental History Reports, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan for an XXXX of {$1300.00} and made one payment via my bank and then paid it off. I got various small purchases from Affirm and some of the bank direct payments failed, they notified me in a few days, and I switched the auto payment to my visa debit for the same bank and account. All went through. In the process they sent me an email saying they had tech problem and apologized. Now they have shown me as paying the monthly loans late, ruining my credit, and cutting my credit limit. I want them to rectify this and apologize. Im certain this has gone on with many others, particularly the elderly.
Product: Mortgage

I applied for loan modification in 2010 which granted per attached approval notice from lender. Later, the lender applied rates not according to the approved loan modification notice. 
I request correction and full compensation from lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

I received a text message today aftering paying a debt to XXXX on the XXXX  of XXXX to the amount of XXXX which last month I verbally confirmed I would pay on the first agreeing they can auto pull it from my account XXXX XXXX  on a recorded line with XXXX to which they did in fact do that and my account on my end showed no debt owed and I stopped receiving unending calls from XXXX and texts and emails that my XXXX I owed debt for a few weeks and XXXX was coming after me like brutally the amount they contacted me was super inappropriate. However, the real issue is that my debt was paid and today XX/XX/XXXX I received a text from a debt collector saying I still owed XXXX but its to XXXX XXXX? Which confused me because that was the debt in exact amount I owed XXXX before paying off my debt XX/XX/XXXX. So this morning about 20 minutes ago I was on the phone with Payal at XXXX ish I believe to request information if my debt was paid or not because I was receiving texts from a debt collector saying I still owed money, past the point when I had already paid my debt. XXXX confirmed to me on a recorded line that my account is in good standing and I had infact paid it off on the XXXX and do not owe them anything. I uploaded the screenshot of the text from the alleged debt collector to the XXXX app while on the phone for the the customer service worker and she yet again confirmed to me I do not owe XXXX any money and I do not have a XXXX XXXX account nor would he possible to owe XXXX XXXX the exact amount I owed XXXX down to the cent. So, at this point I am pretty XXXX convinced I am being sent scam texts by a debt collector. I am XXXX and on XXXX where I really barely make enough to live so this is highly upsetting getting harassed by scammers when I am already struggling to get by.
Product: Checking or savings account

This communique is in regards to my Wells Fargo account. During the weekend, I paid XXXX and XXXX approximately for 2 college transcripts. It was deducted from my account. On Monday, Wells Fargo added about {$19.00} to my account. In other words, they reversed these transactions without my permission. Note I never went to either website and cancelled my orders. 

Then, the next day they deducted it again making me to believe I had a different balance than what I did. Since that time, they have removed the reversal from my account screen so I can't see it. This action is some type of scam. 

I received some type of email that my account went into overdraft, and it should not have. Wells Fargo allegedly moved {$25.00}. I moved {$22.00}. 

Somehow, my account ended up in the negative, and it should not have. I didn't make large purchases. Only small purchases from XXXX XXXX and XXXX. I checked my account numerous times to avoid overspending. 

They are the cause of my account going XXXX.
Product: Debt collection

My disputes are being ignored, and I feel taken advantage of. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days. I require that these accounts be erased immediately ; otherwise, I will sue you for the stress you have given me.
Product: Bank account or service

I entered into an agreement several months ago with XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX for monthly payments of XXXX, on automatic payments using my Debt Card with Wells Fargo Bank here in XXXX CA. Four months ago in XXXX XXXX I requested that they stop withdrawing money from my account and they refused. They stated if I stop it will result in an immediate law suit and that they will continue to withdraw the funds. I visited Wells Fargo located at XXXX XXXX XXXX XXXX CA. When I requested that stop the automatic payment the person that helped me stated. They could not stop the payment because I agreed to it and I would have to work it out with XXXX. After several calls to XXXX and there continual refusal to stop the payment. I revisited Wells Fargo again in XXXX XXXX and they finally agreed to issue me a new debt card, but refused to allow me to dispute any of the charges. They quoted some policy that they claim superseded my right to dispute any electronic disputes. At this time XXXX against my wishes and with the permission of Wells Fargo withdraw XXXX in XXXX, XXXX, XXXX and XXXX XXXX. On XXXX XXXX, XXXX XXXX withdraw XXXX from my account using my new debt card. When I visited Wells Fargo ( always the same location ), they called XXXX and we learned that XXXX contact Visa directly told them they misplace my Debt Card information and got my new debt card. Wells Fargo allowed me to dispute only this one charge as a " courtesy ''. I believe that Wells Fargo has directly violated my right to dispute an EFT Charge under Regulation E and Z and possible other Law violations. I attempted to contact the Regional Manager XXXX XXXX for Wells Fargo at ( XXXX ) XXXX on two occasions and he has refused to take my calls or return my calls. XXXX I believe is in the same violations as Wells Fargo by refusing to stop an EFT when requested, using intimidation tactics to force the continuation of payments against my will and committed criminal fraud when they contacted XXXX. I also believe XXXX is guilty of failing to properly protecting my bank information when they released my debt information to XXXX. I am asking that you do the following. Fully investigate Wells Fargo and to the reason they refused there customer the due right to dispute a charge and order Wells Fargo to reimburse my account all funds withdrawn by XXXX from XXXX XXXX to present including any interest and penalty and to fully investigate XXXX XXXX as to the reason why he refused to address such an issue. To levy the most sever penalty allowed by law against Wells Fargo who is XXXX of the primary lobbyist for the passage of Regulation E. To investigate XXXX on there to their policy and procedure on EFT transaction to levy the most severe penalty allowed by law and to criminally charge the employee of XXXX with " Bank Fraud '' and to fully investigate and audit the organization to ensure they are compliant with any and all laws.
Product: Checking or savings account

I currently have my XX/XX/XXXX accounts at Bank of America since XXXX. In XX/XX/XXXX I instructed the bank that my Legal business name and tax ID # was NOT changing only my XX/XX/XXXX name and submitted all the required paperwork to have the XX/XX/XXXX changed. I was told that in XX/XX/XXXX, BofA changed their policy and I can no longer change the XX/XX/XXXX name and would be required to open all new XX/XX/XXXX accounts. I explained that 2 other banks in the area had no problem just changing the XXXX name since my Legal name and tax ID was not changing. After speaking to the branch, I then called the XXXX number and was told they will look into it. I also explained that this is fraudulent sales practices just to obtain new business accounts. I have numerous ach withdrawals that come out of the account and it is also tied to my XXXX XXXX, state sales tax etc. and this is unfair. I then received a letter in the mail dated XX/XX/XXXX informing me that I can go into the branch to change the XXXX name. I reached out to the branch again on XX/XX/XXXX informing them that I received a letter stating to go into the branch to change XXXX name. 
On XX/XX/XXXX, the manager contacted me to let me know this is a generic letter that went out to me and to ignore it and I would be required to open all new accounts as the policy changed and they can no longer change the XXXX name on the account. I will not be opening new accounts at bofa and will be moving my accounts, however, this is deceptive just to obtain new accounts to meet sales goals, I believe this is similar to XXXX fraudulent sales practices, except in this case it is not the employees doing this it is the change to their corporate policy, so therefore it makes it Legal. I will be moving my accounts, however, in the meantime my checks may not be accepted as they will be made out to the new XXXX name. I plan on taking this to the media as well to let other XXXX XXXX customers in this XXXX area know that the bank is causing harm to customers requiring them to open new accounts for absolutely no reason at all. 
Case # XXXX Case # XXXX
Product: Credit reporting or other personal consumer reports

The report contains inaccurate information and company failed to provide the information I requested. XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my XXXX report due to inconsistent and inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I am following up on my previous dispute regarding inaccurate information on my credit report, which remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX have have sent them all letters letting them know I didnt authorize these inquiries
Product: Checking or savings account

Trying to access account online or on mobile app results in a request to enter an access code, the issue is there is no choice of my phone number or email address to receive an access code. To get an access code results in at least a 1/2 hour wait and navigating through automated customer assistance to get to a real customer associate to get an access code. I have spoken to BofA 10 times in the last 2 weeks to get this problem fixed, there has been no resolution. This seems to be an IT issue on B of A 's end and no one will help rectify it. My contact info is correct for my account.
Product: Credit card or prepaid card

I am writing today in regards to my account with Comentiy Bank/ Victoria Secret account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020. During that time XXXX has declared a natural disaster XXXX due to Covid. I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the  Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XXXX XXXX and XXXX, XXXX. XXXX. Please delete these accounts ASAP.