23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to remove listed incorrect information on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I asked them to explain how they verified 3 different dates that was reporting on my account, then I asked them to please delete them. they didn't comply with the law
Product: Credit reporting or other personal consumer reports

Report of Collection Activity in Violation of Antitrust Laws 15 U.S.C. 16 Dear Sir/Madam, I am writing to formally report a collection activity that I believe violates 15 U.S.C. 16, which addresses anticompetitive practices under the Sherman Antitrust Act.

I have encountered a situation where [ briefly describe the situation or the collection agency involved ] has engaged in [ describe the specific actions ] that I believe are detrimental to my rights, violate fair collection practices, and may have broader anticompetitive implications. Specifically, the actions appear to fall within the scope of prohibited conduct under the antitrust laws, which can cause harm to both individuals and the broader market.

Under 15 U.S.C. 16, individuals are granted the right to seek injunctive relief against practices that damage business or property interests. In this case, I request that the CFPB take appropriate action based on the following : Describe the nature of the collection activity Explain why you believe it is anticompetitive or harmful to your business/property Provide any supporting documentation, such as letters or communication with the collection agency ] I kindly request that the CFPB review this matter to determine if any further steps, including pursuing injunctive relief or other legal action, are warranted under the provisions of 15 U.S.C. 16.

Thank you for your attention to this matter. Please do not hesitate to contact me should you need any additional information or documentation related to this report. 

Sincerely, XXXX XXXX
Product: Debt collection

I did not receive a letter from Credit Collection Services stating I can dispute this item. When it appeared on my credit report I disputed it and they verified it and placed a disputed note on my credit report. I do not owe the debt collection agency because they purchased this account and that is against the law. This is causing me financial distress. Please prosecute them to the full extent of the law. 

Be advised that your claim is disputed, and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.
Product: Mortgage

I received an insurance claim for damages to my property approximately XXXX ago. The insurance check required endorsement by both myself and the mortgage company. I spoke to the claims department about their process for signing off on the check to move forward with repairs. The claims department instructed me on a recorded line to send the check signed with the insurance adjuster report, and as long as the account was current at the time of the loss the check would be endorsed and mailed back. I was apprehensive about sending the signed check and I deliberated on it for a few months I had to have the insurance company reissue another check before I sent it in. The representative from Freedom Mortgage had assured me that they would not deposit the check, but would simply sign and resend it back to me. After they received the check they didnt send it back. I was informed that they also needed a signed affidavit before they would send it back for the repairs. At this point, I felt like I was being lied to and I refused to sign any affidavit. Instead, I then decided to consult with my insurance company. The insurance company told me if I was willing to repair the damages out of pocket they then could reissue another check and I agreed. Afterwards, the insurance company attempted to stop payment on the check that was sent to my mortgage company and the check had already been deposited. The mortgage company had lied to me on a recorded line that they would not deposit the check. The check was allegedly deposited into a secure escrow and will not be released until I sign an affidavit. I have refused to sign anything, but I asked the mortgage company if repairs are made with proof, could they then reimburse me the insurance claim money. They have not given me an answer by phone or written. I have not received any summary of the restricted escrow account that the claim check was deposited into. I was told by two different agents that they typically just apply the unclaimed insurance funds to the principal balance of the property after an unspecified duration of time. I am completely in the dark about where my insurance money is and what is going to happen to it. The roof of my house currently leaks in one of the bedrooms if we have heavy rain. I remain current on my mortgage, insurance, and taxes. My home is not in default and according to the recent county property assessment, my property has more than {$75000.00} equity. I only owe {$55000.00} on my property and I am over XXXX years into a thirty-year mortgage. I have not been in default on this mortgage for the entire duration of this mortgage. The mortgage company that I am presently dealing with is not the original lender, but my mortgage has been transferred to several lenders. I do not have any contract information on this current mortgage company and I dont know what my legal rights are to repair the property and receive reimbursement. Please help if you can, I am not trying to cheat my mortgage company, but I am paying my homeowners insurance and am receiving no representation. Note : the insurance company is XXXX XXXX and the mortgage company is Freedom Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called in XX/XX/XXXX by XXXX  XXXX XXXX that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XXXX XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called XXXX XXXX as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with XXXX about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by XXXX in XX/XX/XXXX that all the reporting would be corrected.
Product: Checking or savings account

I initiated an online deposit of $ XXXX on XX/XX/20 from another bank 's checking account to the Bank Of America account where we do bill pay from via online banking. After receiving confirmation from the bank that the funds will be available for payment the following day on XX/XX/20, I initiated a bill pay of {$9500.00} for a XXXX credit card bill for XX/XX/20. The XXXX XXXX payment was not due on XX/XX/20 but I like to make my payments several days in advance to ensure that payments are credited by the due date. 

When I went online to the Bank of America account tonight to confirm all the transactions, the status of the deposit was changed to a HOLD until XX/XX/20. At the same time, Bank of America changed the status of the bill pay from scheduled for payment on XX/XX/20 to " in processing ''. I immediately called Bank of America to either delay the bill pay so that it will go out after the funds became available at a later date of XX/XX/20. I was told that because the bill pay was done via online banking and was in process, they couldn't do anything. 

Bank of America couldn't properly explain why they put a hold on the check, aside from some excuse about there were exceptions at times because of large amounts. When I asked to speak to the manager,  XXXX who came on the line as the manager appeared to do some checking, told me that he couldn't do anything with regard to Bill Pay as that was a separate department, immediately forwarded my call to the Bill pay department, whose agent told me that she couldn't do anything because the payment was in process. I told her I wanted to cancel the scheduled bill payment as it wasn't suppose to go out until XX/XX/20. She indicated that because it was in process on XX/XX/XXXX, there was nothing that she can do. I was advised to callXX/XX/XXXXand tell them to return the money that B of A was sending which would have triggered me paying a fee to do so. 

Bottom line, Bank of America left me with zero options but left themselves with the ability to trigger late and return fees. All under the excuse that because all the transactions were completed via Online Banking, they could not do anything to either stop or change the transactions. This was not the first time that they performed this insidious type of financial shenanigan in my account. However, this time, was the last straw. 

I am filing this complaint because I'm sure I am not the only person that this type of criminal action has been taken against. I have taken screen shots of the data as it transpired in the Bank of America 's Online banking APP.
Product: Credit reporting, credit repair services, or other personal consumer reports

DBA XXXX XXXX XXXX {$460.00} DBA XXXX XXXX XXXX {$300.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.
Product: Credit card

An Business ad account was opened through my XXXX account and Meta XXXX, and I was unaware and didn't authorize. It is now linked to a Meta XXXX XXXX ( XXXX ) stating it has charged {$900.00} a day! Over {$37000.00} charged total in unauthorized ads. 

I just realized this was happening today. XX/XX/year> - I reached out to XXXX Support with screen shots and concerns and have no idea how to get them to respond back or find information on the credit line that is linked to this business ad account that I did not open.
Product: Checking or savings account

My bank accounts were hacked by a scammer for XXXX dollars on XX/XX/2021. The scammer instructed me to purchase gift cards and give him the information on the back in orde to have my accounts refunded. He also wrote 3 checks for XXXX dollars to people I didn't know. He got into my phone to set up an online banking account and moved money from my savings account and transferred it into my checking account to have the money available for me to use my debit card to purchase the gift cards.
Product: Credit card

I have not received a statement since XXXX of last year. Called the company using the number provided on the card. Voicemail referred me to another number. Called that number and could not find a human being. Shortly thereafter I received a statement from the collection agency. I have no idea whether this statement is correct. Until I see statements for period in question, I have no way to verify the debt. Debt is not large because I have been ill and have not used the card, but I am reluctant to pay blindly. I am also concerned my credit has been adversely affected by this process.
Product: Debt collection

LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Debt Validation Request Account Numbers : Dear LVNV Funding LLC, I am writing to formally request validation for three separate collection entries on my credit report, all reported by your agency under the same original account. These entries are impacting my credit score, and I need clarity on why multiple entries exist for the same debt. 

Please provide verification for each account listed, including : 1. Proof that the debt belongs to me, including the original creditors name and contact information for each account.

2. A breakdown of the amounts owed, showing any interest, fees, or credits applied, and a full payment history.

3. Copies of any agreements or contracts that confirm I am obligated to pay this debt.

4. Documentation confirming LVNV Funding LLCs authority to collect on each instance of this debt. 

This letter is not an acknowledgment of the debt but a request for validation. If these accounts can not be verified as unique, I request the removal of all duplicate entries from my credit report and that you cease any further collection activity. 

Please respond within 30 days. If you are unable to validate these debts, I will also request that you contact the credit bureaus to remove any inaccurate or duplicate records.
Product: Debt collection

Midland contacted me about being sued for a credit card debt. I was greatly confused by where all this came from. I then checked my credit report and provided XXXX  with proof for a dispute. XXXX completed their investigation of the accused debt. XXXX investigation Resulted in debt being removed from my report due to fraudulent charges and incorrect amount. Informed Midland the company suing me in court. Yet, they have continued to harass me and cause me stress and grief.
Product: Student loan

I wrote to XXXX XXXX and requested a deference. Their email system is closed to me. Even though I have an account with them and they are my loan service company. I would like a deference and that my account be opened with a username and password. I have ended the service with XXXX XXXX and they no longer represented me in student loans repayment.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX  XXXX Account Dear CFPB, I am writing to dispute inaccuracies in the reporting of my XXXX  XXXX account ( Account # : XXXX ) on my credit report. This is my second dispute regarding this issue, as no changes have been made since my initial request submitted on XX/XX/XXXX. 
Details of the Disputed Account Account Number : XXXX Account Type : Revolving ( Credit Card ) Account Status : Paid Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Balance : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Disputed Late Payments I noticed that two late payments are inaccurately reported for this account : XX/XX/XXXX XX/XX/XXXX These payments were made on time. The reporting of late payments is inaccurate and negatively affects my credit report. I am requesting that you confirm the account status remains " Paid As Agreed Never Late '' and ensure that no errors exist in your records. 
Request for Investigation and Documentation Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I kindly request : A detailed description of the investigation process used to verify this account 's information. 
Documentation of the evidence supporting the reporting of late payments. 
If you can not provide verifiable proof of the alleged late payments, I request that the account be updated to reflect its accurate status as " Paid As Agreed Never Late. '' Attachments For your convenience, I have included the following : A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of my address. 
A copy of my current credit report showing the account in question. 
Thank you for your prompt attention to this matter. Please respond within the legally required 30-day timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to work for a company back in 2013 that went bankrupt shortly after my departure as an employee. I moved on with my life and studied XXXX  and became a XXXX XXXX XXXX for one of the biggest XXXX XXXX in XXXX. I recently noticed credit card account reporting on my credit report that i had never opened and never used at first i was very confused because there was no explanation to how it got there. When i dug a little deeper and called XXXX  to try and resolve this issue i found out that it was a Business credit card that belonged to the company i use to work for. I never had any idea that this account was linked to my social security number. I tried to resolve this issue with both the Creditor and the credit bureaus but the account is still reporting on my credit report as if it belongs to me. Not only the statue of limitation already passed ( Its been Over 7 years ) the account is being reported as a collection and with a balance of more then 5,000 dollars.
Product: Mortgage

The payment history of my mortgage account received from BofA has transaction that are questionable. In the history of the account when Countrywide bought my mortgage XX/XX/XXXX for 6 years ( XXXX ) no payments was posted. XX/XX/XXXX was also the month my property tax was due. I did make payments to my mortgage in XX/XX/XXXX for these years that are not posted. 
On XX/XX/XXXX there is a transaction of {$4700.00} that was XXXX back to my mortgage balance. BofA has not provided an explanation for this transaction. 
There is a lien on my property by HUD for an amount of {$7600.00} filed XX/XX/XXXX. The court documents does not state what the loans was for and Bof A has state is a partial payment which they have not provided documentation of this transaction. They can only provide a history of the payments applied to my account. 
There are many missing payment made to my account.
Product: Checking or savings account

On XX/XX/XXXX, I discovered my XXXX rent check for {$1100.00} had been fraudulently cashed into a Capital One Bank Account, other than my leasing company. Upon realizing this I immediately reached out to my bank ( XXXX XXXX XXXX XXXX ) to initiate a Check Fraud Claim. 

On XX/XX/XXXX, I received a Fraud Statement Claim that required both myself and my apartment leasing company to fill out and acknowledge that they were not in receipt of the check. I immediately sent this back to XXXX XXXX XXXX XXXX and was told upon receipt and processing my claim would kick off ( this occurred around XX/XX/XXXX ). 

For the next 4 months, I continued to reach out and request updates on the claim, until I was essentially told to " wait and see '' by the fraud team. Eventually, I was told that if I had n't heard anything by around XXXX XXXX to call back as this would have been the 126th day of the claim and would move into a new process if they could not reclaim the funds from Capital One. At that point, I was told that " systemically the case would close '' as it had reached its 126th day, but that they would still be working to recover the funds. I expressed concern that it would be showing as closed and was fearful that it would then fall through the cracks. 

Since XXXX XXXX, I have been requesting call-backs and information from XXXX XXXX on the status and have not received any information via mail only after several calls to request a call-back. Eventually on XX/XX/XXXX, I went into a XXXX  XXXX XXXX XXXX location to speak to a Client Services Representative, she was able to look into the check and reach out to a contact at Capital One who confirmed that the check had in-fact been deposited into an account other than the one listed on the Check. Upon receiving this information, she informed me she would share with the XXXX XXXX XXXX XXXX Fraud Office to help resolve the claim. 

Since then, I have consistently reached out for updates on the claim - leading up to today, XX/XX/XXXX, when for the first time someone at XXXX XXXX XXXX told me they had officially stopped trying to recover the funds and there was nothing else they could do since Capital One did not respond to the inquiries.