23daVinci/CFPB_Complaints huggingface dataset:
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 under USC 1681. 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 an 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 1681 s-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. 

XXXX Account Numbers : ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX  XXXX ) ( XXXX / XXXX ) ( XXXX  XXXX XXXX / XXXX ) ( XXXX XXXX XXXX / XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) As well as all highlighted addresses/public record information on file. 

XXXX Account Numbers : ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as highlighted public record information. 

Transunion Account Numbers : ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXXXXXX / XXXX ) ( XXXX/ XXXX ) As well as highlighted address and public record information. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The above listed accounts from all bureaus have all been disputed and were sent back verified and accurate, however the information is inconsistent and inaccurate after being " verified '' and/or updated. 

Some information reported by XXXX in particular returned verified as mine after they updated another individual 's personal information to match my own during one of the disputes included. 

XXXX has also reverted update changes and re-added deleted accounts after completing their dispute process multiple times. I've included an example of them reverting account changes AFTER a dispute was completed/updated.
Product: Debt collection

Sometime in 2019, I lost my wallet with all of my personal details. I had bank accounts and credit cards opened in my name, my identity was stolen. I have attempted to fix this issue with Flagstar Bank and XXXX XXXX XXXX to remove this from my credit report several times. I have gone on identitytheft.gov and filed disputes through XXXX  and this issue is still persisting. I have never had a bank account with flagstar bank. The address, phone numbers and emails that Flagstar had on file did not match with any of my personal information.
Product: Debt collection

I received a letter stating I owe {$230.00} to XXXX XXXX XXXX XXXX. 
Credit Collections service XXXX XXXX XXXX XXXX  MA, XXXX XXXX Reference # XXXX I have never held a policy with XXXX XXXX, and have no knowledge of this fraudulent debt attempt.
Product: Mortgage

I used the COVID forbearance program in XXXX. BSI financial received the payment from the VA for XXXX in XXXX of XXXX and BSI said I still owed XXXX. I agreed to a modification that had a 90 day trial. It raised my mortgage from XXXX to XXXX. I completed the trial XXXX of XXXX and have continued to pay the XXXX. My loan has not been modified, when I call they say that the documents are being completed and I am never able to get through to a manager. BSI is reporting to the credit bureau that I am 120 days past due and have continued to send me foreclosure notices. I have made every payment every month on time from the date BSI received the payment from the VA and it is destroying my credit. They are also not able to tell me what is going to happen to the extra money I have been paying as well as the extra payments I sent in an effort to catch my mortgage up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 and several dates before this. XXXX is not acknowledging my correct address at XXXX XXXX way where I have lived for 3 years as a home owner. The FICO score on my AMEX erroneously shows XXXX. The score should be around XXXX.
Product: Credit card

Was a victim of a scam, fraud, was tricked. Credit card debt is unsecured. It does not simply turn into secured just because a bad salesman gets a huge commission and writes a 30 yr note to make the fraud debt affordable?? XXXX!!! XXXX XXXX should have been recommended, but was not until the following year. The debt was erased and this is verifiable on XXXX. Also verifiable, there are no liens on my property. CFPB states a debt collector may not try to collect the debt after XXXX XXXX clears that debt. So, the harassment needs to stop. SLS.net is not doing due diligence to research what I am telling them. Instead, they feel they can take my home after a scam that went wrong. Also, I am on XXXX and have been sin e 2017. I am certain that there are likely laws to void the transaction and protect even beyond the XXXX XXXX XXXX. Just because attorneys are expensive, no longer pro Bono doesn't mean SLS can bully me this way. My house was damaged last year. Their homeowners would not help either. The house is worth less as a result. Plus, I need to live there. There is no other place for me. I have XXXX sources of income now, and am doing better than I ever have. At the very least, they could allow time to begin repaying, but they don't seem interested in being decent towards me at all, like sharks instead. The credit card debt was treated as such with the bankruptcy. I gave verified this simply by searching for the rules online. It's not that difficult. I have no idea why SLS is being so difficult. All I need is a month and I can have enough to do a XXXX XXXX. I shouldn't have to pay their loan anyway. Often, there are exceptions to rules. I learned that as a XXXX after learning the IRS rules. This situation is similar. Please study your exceptions, SLS. I think they are being excessively out of bounds here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I filed a dispute with Experian on XXXX  XXXX XXXX. I was told that the dispute would possibly be resolved within a month 's time. Within that month I've received communication from XXXX  XXXX XXXX of the steps they took to research and correct the error they made. I was ensured that all credit reporting agencies would reflect that a foreclosure that took place on my home started in XX/XX/XXXX and was completed in XX/XX/XXXX. Experian will not reflect the correction on my credit report. They have put on my credit report that I was past due on my mortgage until XX/XX/XXXX, then I was current on my mortgage from XX/XX/XXXX until XX/XX/XXXX, and the foreclosure process started in XX/XX/XXXX. And on top of that, they indicated that a credit card I have from XXXX made my credit score decrease 14 % due to high usage. I don't use this card and only have a {$47.00} balance on it. When I initially contacted Experian I was told I needed to contacXXXX XXXX XXXX XXXX  and so I did. The representative from XXXX told me that my balance is {$47.00}, that I've never been late on my repayment, I've never missed a payment, nor have I've been over the limit. That they have never reported any negative information on me to make my fico score decrease 14 %. So I called Experian back and told each employee that I spoke to a representative at XXXX and what I was told and then I was transferred throughout the company to several different departments with each representative saying the decrease was due to me filing a dispute, that they don't handle such issues, and I need to contact XXXX  the creditor.
Product: Mortgage

My XXXX XXXX home loan was transitioned to Freedom Mortgage in XXXX XXXX Freedom Mortgage reported delinquent mortgage payments from XXXX XXXX XXXX due to a payment being rejected from XXXX XXXX in XXXX XXXX When I spoke to XXXX XXXX, they confirmed that there were no payments rejected. There were no communications from either servicer stating that the account was ever past due between XXXX XXXX XXXX XXXX There were no phone calls ever made to notify that the account was behind in payments. This is a violation of FCRA and UDAAP Regulation as I the consumer was never informed of any arrears verbally or in writing to be allowed the opportunity to be resolved prior to being reported to the credit reporting agencies between XXXX XXXX XX/XX/XXXX. This has caused me detriment and is preventing me from being financed for a new home loan.
Product: Credit card or prepaid card

The company closed my credit card account one week after filing my last cfpb complaint because they refused to cash a check. This is credit discrimination and will directly effect my XXXXredit score. This is retaliation and against ECOA. They sighted a complaint they sent me a month back about cursing at them, which I had not done since and have a history of shutting account to down without cause.
Product: Credit card

I have XXXX Bank of America credit cards. On XXXX/XXXX/2015 Bank of America showed online that I had a roughly {$3000.00} dollar balance on credit card # XXXX. I, in fact, had a {$3000.00} dollar balance on credit card # XXXX. I paid {$3000.00} to credit card # XXXX. This resulted in a - {$2900.00} credit on credit card # XXXX. On XXXX/XXXX/2015 Bank of America showed online that I still had a roughly {$2000.00} dollar balance on credit card # XXXX. I again paid {$2000.00} to credit card # XXXX. This resulted in a - {$4200.00} on credit card # XXXX. On XXXX/XXXX/2015 I attempted to shift {$3000.00} of then then - {$4100.00} credit back to my regular checking account with Bank of America via the online transfer. I was charged a {$150.00} fee for this. At the time, I had a - {$4100.00} credit on the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters for 4 months now and requesting verifiable proof in regards to 2 accounts under XXXX. XXXX/XXXX/TransUnion are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was approved for student loan forgiveness as result of the XXXXXXXX XXXX XXXXXXXX class action lawsuit. All loans from XXXX University were paid in full in XXXX of XXXX. Since then, my fed loan servicer XXXX XXXX has not provided any updated balances to the three bureaus despite numerous attempts to contact them and seek their assistance in doing so. I have disputed all the paid loans with all three major credit bureaus numerous times. None have resulted in a permanent fix. XXXX corrected it one time but then later received old, outdated info from XXXX XXXX once again and reverted my report back to the original balances ( pre forgiveness ). I have discovered that the info XXXX XXXX is giving the credit agencies is from XX/XX/XXXX. These are over one year old balances. I do have loans from another university with XXXX XXXX, and these loans I have since started paying on, but I have received over $ XXXX in student loan forgiveness, and my credit reports do not reflect this. I have even contacted the class action litigation lawyers and Department of Education for help, but to no avail.
Product: Checking or savings account

Good Morning : I had a Bank of America account and was maliciously overcharged on interest rates. A number of companies maliciously stole my monies every month for over 5 years. They maliciously stole my money and never offered me a refund as my Services were never rendered. 
I complained about money that never got delivered properly. 
I would like to report Bank of America as they closed down/shut down over 5 locations. 
I now have XXXX dollars and am upset. 



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

I am filing this complaint to request the removal of a negative account that XXXX XXXX is reporting on my XXXX, XXXX, and TransUnion credit report. The account number reported on my credit report is XXXX. I called XXXX XXXX on XX/XX/XXXX, to discuss this account. I was told by the customer service representative that I could settle the account for {$200.00}. I asked him if the account would then be reflected as paid, and all negative entries would be removed from my credit report. He said not unless I paid the balance in full. I told him it was critically important that all negative information be removed from my credit report, and I agreed to pay the full balance of {$400.00}. I have attached a copy of the receipt from my bank to this letter. It has now been over one year since my payment, and XXXX XXXX is still reporting negative information on my credit report. This account was first reported to the credit bureau on XX/XX/XXXX. I have sent letters to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and received no response or resolution. I am requesting that XXXX XXXX delete this account from my XXXX, XXXX, and TransUnion credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  i did not authorize contacted company and got nowhere with them XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX  credit hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard iquiry i did not authorize contacted company and got nowhere with them XXXX XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXXXXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them
Product: Credit reporting or other personal consumer reports

Subjet : Removal of Disputed Account To whom it may concern, I am writing to formally dispute a collection account on my credit report, which is being reported by XXXXXXXX XXXX XXXXXXXX.I am exercising my rights under the FCRA law, specifically the provisions outlined in Section 611 regarding the accuracy of information. Upon reviewing my credit report, I noticed the presence of XXXXXXXX XXXX XXXXXXXX dated open XXXX XXXX. I have never entered into any contractual agreement with XXXXXXXX XXXX XXXXXXXX. I did not authorized or gave my consent to them to act on my behalf in any financial matter. This claim is erroneous and I have sent XXXX XXXX XXXXXXXX a cease and desist letter. I am requesting the credit bureaus to provide me with the complete documentation they received from XXXXXXXX XXXX XXXXXXXX regarding this alleged debt and a signed contract with my signature that bears my name on it. If the credit bureaus can not produce the information to me, they shall promptly remove the disputed accounts from my credit report within XXXX days. I am also disputing XXXXXXXX XXXX XXXX legal authority to collect a debt in my state. I am not liable for for the debt in question. I never received any goods or services from XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX is inaccurate and violates the provisions of the FCRA. I am prepared to all necessary legal rights if this dispute is not handled in accordance with the provisions of the law. I have sent in all the proper documentation to get this account removed. 
Tracking Number:XXXXXXXX Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2020, I went on the company website to add my XXXX XXXX savings account information to make XXXX additional payments toward the principal of my mortgage loan. On XX/XX/2020, I noticed the payment had not cleared the account and contacted XXXX XXXX XXXX. I discovered the account number I entered did not contain the XXXX preceding zeros. This caused the payment to be rejected a few days later. As a result, SPS added a block to my account which prohibits me from making my payments online and requires me to mail in a certified check. The representative stated it was an SPS error and should not have been flagged as an NSF. She also informed me it would be corrected within XXXX business days. I have called SPS several times and each representative has given me a different explanation and time line of when the mistake will be corrected. I have also emailed the Ombudsman 's office. I received a template response from the office via email and mail. On XX/XX/2020, I called again to inquire about the block and to make my mortgage payment online. It was at this time, I was told for the first time, the issue was sent to a XXXX on XX/XX/2020 and a decision would be made by XX/XX/2020. I was also informed that I would need to make 6 months of payments before the block is lifted. That requirement is typical for someone who has had NSF issues. I have never had a payment returned for NSF reasons. Today, I log onto the website, the block has not been removed. I called and waited on hold for a XXXX for XXXX minutes. The representative, sent an emailed to the XXXX to request she give me a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  acct:XXXX violated my rights. 15 U.S.C 1681 SECTION 602 [ A ] i have the right to privacy. 15 U.S.C 1681 SECTION 604 [ A ] it also states a consumer reporting agency can not furnish an account without the permission or written instructions of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans defaulted after college. I have since gotten them through a debt rehabilitation program that was supposed to clear the delinquency from my credit reports. 

In the years since my credit reports have continued to report a severe delinquency regardless of how much prompting and calling I do. According to XXXX the info has been sent to all of the credit agencies, but they all allege that they never received anything. 

I don't know what to do short of hiring a lawyer at this point and since it makes all loan requests automatically rejected it's prevented my from making any moves to buy a house.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Fraudulent Lease Account on Credit Report Dear Credit Reporting Company , I am writing to formally dispute the inclusion of an account on my credit report for a lease with XXXX XXXX XXXX ( Account Number : XXXX ). I have reviewed my records and can confirm that I never entered into any lease agreement with this company, nor did I sign any documents or contracts with them. 

Given that the account in question is a fraudulent entry, I am requesting that it be immediately removed from my credit report in accordance with 15 U.S.C. 1681i, which mandates that credit reporting agencies investigate and remove any inaccurate information. If the information can not be verified as accurate, it must be removed. 

Under 15 U.S.C. 1681e ( b ), you are required to maintain accurate procedures to ensure that the data on consumers ' credit reports is correct. If this account is not verifiable, you must remove it immediately. Furthermore, under 15 U.S.C. 1681n, I am entitled to pursue statutory damages for any willful failure to comply with the requirements of the FCRA. 

Additionally, I request that the company reporting this lease provide verifiable proof that this account is mine, including the chain of assignment/custody and the original signed lease agreement with my signature. If this documentation is not provided, I demand that this account be removed from my credit report. 

Please be advised that failure to remove the fraudulent account may result in legal action under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, which criminalizes the fraudulent use of personal information. 

I expect prompt resolution of this matter and confirmation of the removal of the account in question from my credit report. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have maintained accounts at BOA for many years and wish to have fees reversed relating to my account. I am a former XXXXXXXX XXXX that has been in XXXX XXXX before XXXX during and after the pandemic. During the height of the pandemic the schools were shut down and I had no means of income. I was stuck in XXXX XXXX with no means of money, food and had to rely on charity from the XXXX XXXX XXXX of XXXX XXXX. I ultimately did the unimaginable by using my passport as collateral to support myself in time of need. The situation was in need of stitches instead of a bandaid. I had no money to pay back the loan that I took on my passport. I had no other choice but to call back home and ask for assistance. Unfortunately, the assistance was unable to recover my passport due to the fact that I was paying interest on the loan. I then had to consult an attorney which cost me another significant amount of money which I did not have. However, I begged for funds from my retired fixed income parents again and while funds were being deposited in my account the withdrawal fees limited my ability to receive the complete amount that was deposited. Overdraft, XXXX, moving money from savings to checking and Viceversa as well as speaking to customer service agent fees all have cost me a lot of money during the time I was there. Not to mention the fact that I was threatened with eviction because of the non-payment of rent in which I attempted to withdraw the funds from an ATM that did not dispense on XX/XX/XXXX. A claim that was never resolved. I understand that BOA provides special services for the military, but what about Civilians who are Ambassadors of Goodwill representing AMERICA. I feel that BOA owes me for pain and suffering as well as monetary loss. 
since I've lived in XXXX for four years and had to rely on deposits made by my parents there has been tremendous fees usually the money was deposited during the first of certain months and I would make my way to the ATM but the following is a sample of fees toward the end of the month : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX The proceeding were amounts charged for just two weeks before I had the ability to return to America