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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXXXXXX Balance Owed : {$52.00} ; XXXX XXXX XXXX XX/XX/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: Checking or savings account

Bank of America ( BofA ) starting charging me {$12.00} fee starting on XX/XX/year> for low funds after I transferred some money out. I have had this account with BofA for 23 years now and never had this issue before. These are the issues as I see them : 1 ) BofA clearly changed the policies ( It now says that I have to have a direct deposit worth {$250.00} every month, whereas I have been depositing {$100.00} for the past 23 years each paycheck ).

2 ) BofA conveniently kept charging me fee silently without trying to warn me. I log in to the app many times a year. I never got a single message that they are charging {$12.00} every month. They are willing to show me all sorts of messages to promote their products but when it comes to the fee they are charging they don't bother to inform the consumer. 

I requested them to revert all 11 months worth of fee, and even though the agent said they usually revert 90 days of fee, they only reverted 60 days worth of fee. 
I am disputing all 11 months worth of fee.
Product: Vehicle loan or lease

My vehicle was repossessed after I made a payment per our agreement and I have not been able to retrieve my vehicle.
Product: Debt collection

This is a follow-up to my complaint regarding LVNV FUNDING LLC reporting a collection account on my credit report. My CFPB complaint reference number is XXXX While I received notification from the original creditor about the account being sold to LVNV FUNDING LLC , it was untimely. The collection account was opened on XX/XX/year>, and I wasn't notified until XX/XX/year>. 

The Fair Credit Reporting Act ( FCRA ) requires debt collectors to notify debtors of account transfers within a reasonable time frame. A notification received 17 days after the collection account was opened is likely considered unreasonable under the FCRA. 
Due to this late notification, I argue that LVNV FUNDING LLC did not follow proper procedures and therefore can not report this account on my credit report. 

I understand I may have an obligation to the original creditor for this debt. However, the late notification about the account transfer raises questions about the validity of the collection company 's reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned that I was included in the Equifax Data Breach and immediately enrolled in their TrustedID credit monitoring product. After waiting 48 hours for the system to send me an email notification that my account was set up I immediately tried to login to my account using the user name and password used to establish the account. After several attempts I was locked out at which time I contacted Equifax and was told that they were inundated with requests and their system was down for a few hours and that I should try again later. I waited a couple of days and tried again to be told my login and or password was incorrect. I immediately requested to reset my password and received an email allowing me to so ; unfortunately when I entered my date of birth and the last 4 digits of my social security number I received an error message indicated that this information did not match their records. Since this this happened in early XX/XX/XXXX I have attempted to call Equifax on 5 separate occasions. Most recently today XX/XX/XXXX and Friday XX/XX/XXXX. On XX/XX/XXXX after a lengthy 25 minute conversation with an individual in XXXX who could not understand me nor could I understand him I was allowed to speak with a supervisor who told me that everything was reset with my account and it would take 1 hour to be reset. On XX/XX/XXXX I attempted to login to my account and received the same error messages with my password and the again when I tried to reset my password. I called Equifax once again and was told for the first time that the date of birth I was entering did not match what they had in the system. Only to be told that the issue was reported and it would take up to 48 hours to get resolved. I am very concerned that not only am I dealing with individuals who don ; t understand how to professionally do their job, I am more concerned that these call center individuals are not handling my Personal Identifiable Information ( PII ) in an appropriate manner. I want Equifax to provide me with the credit monitoring product and service they promised and I want the opportunity to make sure they have the most current accurate personal information on file. I should not have to go through so many hoops and hurdles over the course of 6 weeks to accomplish this process especiall if they were better stewards on consumer PII and not so greedy about cashing in their stock before they made this breach public information. As a consumer I demand that the CFPB look closer at this company and fine them for their incompetence. I still have no resolution or certainty of when resolution will be obtained and my free credit monitoring will kick in. I also have no idea if I have been a victim of fraud.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX, XXXX, and TransUnion to get settled accounts off of my credit reports to not show as delinquent account. 

I mailed them letters, and disputed the accounts on the applications.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to follow up on my previous dispute regarding inaccurate information on my credit report. Despite my initial dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), specifically referencing section 15 USC 1681i, the disputed accounts have been incorrectly verified as accurate.

According to section 15 USC 1681i ( 5 ) ( A ) of the FCRA, unverifiable information must be removed from the consumer 's credit report. I request immediate removal of the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which does not report this. 
- Date Opened as XX/XX/XXXX, which is not reported by XXXX. 
- Date Reported as XX/XX/XXXX, differing from XXXX which does not report this. 
These discrepancies have been verified as accurate multiple times, violating FCRA 15 USC 1681i ( 5 ) ( A ). This is causing me financial harm. If not corrected, I will seek legal action. My lawyer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023 I received a text alert from Comenity Bank indicating that my Kay Jeweler 's account had a purchase attempt in the amount of {$7700.00}. A few days later, it was discovered to be a fraudulent attempt of an out of state purchase at an outlet store that was declined. I requested further action to be pursued as this is an attempt at Grand Larceny. I have heard nothing since of such resolution. Shortly thereafter, I noticed a Hard Inquiry on my credit profile for a credit line increase from Comenity Bank. I attempted to dispute this thru the credit bureau, with no luck. I disputed this thru Comenity Bank and was informed that it was I who indeed made the request for a credit line increase on XX/XX/2023. This is absolutely not true, and correlates to the date of the fraudulent purchase attempt. I tried to explain this to 3 different representatives on the phone today. Nobody would assist me. I demanded my account be closed. It is still open. This company is irresponsible with my credit and security.
Product: Credit reporting or other personal consumer reports

The company never provided me a 1099c and also sold my information to a debt collector after changing the status of my account as a charge-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern. I sent a letter to TransUnion and XXXX regarding my credit report and stated that the late payments were inaccurate and incomplete, and for them to immediately remove all late payments. They did not investigate, neither did they remove the late payments. They updated my profile. The letter is below is what I sent to each credit bureau. 


To Whom It May Concern : According to the Fair Credit Reporting Act, 15 U.S.C 1681, you are required by federal law to report accurate and complete Information. The highlighted account is not accurate. How can the monthly payment be both {$35.00} a month and {$0.00}? This is inaccurate. You are in direct violation of 15 U.S.C 1681. You are also in direct violation of 15 U.S.C 1681e ( b ) which states whenever a consumer reporting agency that prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, which was not done. I demanded you to remove the late payments, not update. Please remove all late payments IMMEDIATELY of the accounts listed below.
Product: Credit card or prepaid card

Over the past few months, Synchrony Bank has been slowly dismantling my credit accounts with them. Theyve taken away my home repairs account and most recently my discount tire account. My standing with this institution has been perfect. Always on time payments including large payoffs and yet they turn around and cut off two of my most important cards for my families home and our vehicles. Shame on this pathetic excuse for a bank. Obviously they do not look out for people. I know Ill get some canned response from them but frankly I dont want it. Its disgraceful what theyve done, cutting off two important lifelines. I simply can not say enough how upset I am with this lowly so called financial institution. Stay away from Synchrony bank!
Product: Debt collection

In XX/XX/XXXX, a credit card with number ending XXXX was opened fraudulently in my name. This was discovered approximately XX/XX/XXXX, based on a collections letter received from a third party collection agency, XXXX. XXXX was contacted via telephone ; the credit card from a pre-approved letter that was sent back to them from an old address. A police report was filed promptly, XXXX said they would close the account. The delinquent reporting was removed from my credit report. Approximately XX/XX/XXXX, a third party collection agency, XXXX, contacted me stating they had purchased my debt. I sent a letter disputing the debt and asking for additional information about the source of the debt. I also sent in copies of the previous police report, a new police report filed on XX/XX/XXXX, copies of correspondence with XXXX and the original debt collector, and detailed information about my residency. Hearing nothing, I sent two additional copies over the span of three weeks, with the third version requesting return receipt and priority delivery. A third party sent a response stating they purchased the debt and included a single line from an XXXX spreadsheet as proof of the debt. I disputed their proof and filed an FDCPA complaint. The third party removed the credit reporting, but refused to cancel the debt. I sent a response along with the FDCPA complaint, attempted to file a claim as a member of a class action lawsuit, and filed an additional lawsuit which was dropped after a settlement with the third party. About one month ago, I received a communication from Midland Credit Management that falsely, deceptively and/or misleadingly represented themselves in the collection of a cancelled credit card balance derived from fraud and identity theft. Additionally, Midland Credit Management used unfair and unconscionable means to attempt to collect a debt derived from fraud or identity theft. Specifically, the communication offered a settlement on the fraudulent debt, offering a savings on the debt, without stating that there would be tax implications for the " savings '' nor mentioning that making any payment whatsoever on the fraudulent debt would allow additional negative reporting for up to an additional seven years. Having not been disputing this debt for the last 9 years, a lesser sophisticated consumer would not be aware of the negative ramifications of working with Midland Credit Management on this old, discharged, fraudulent debt. I feel this communication, much like the previous communication with the other third party collection agency, violates 15 U.S.C. 1692e of the FDCPA.
Product: Debt collection

I paid the original creditor directly, the original creditor accepted my payment but yet the collection agency is trying to collect an amount that I do not owe!
Product: Credit card or prepaid card

I went to pay my monthly Valley Bank credit card statement but the nearest branch was closed as were others further away. So I mailed the check to the nearest branch but it was not received on time because the branch was closed without my knowledge because of the coronavirus. I complained to the CFPB and Valley Bank cancelled the late fee. 

But then I received a notice for XXXX XXXX that manages Valley Bank accounts that my credit limit was being lowered because of this late payment which, to repeat, was late because the bank branch in question was closed without my knowledge because of the coronavirus! 

Not fair to do this!
Product: Credit reporting or other personal consumer reports

i was a victim of the XXXX data breach and i check my credit report and found lots of innacurate accuounts and information, i sent of to transunion paperwork showing and proving that i was a victim and i will attacth all documents at the bottom. i am filling this complaint to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that yoy transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 bussiness days of you receiving this complaint. i have attached a copy of FTC identity theft criminal complaint # XXXX as proof from US federal trade commission that all of the aforementioned consumer credit accounts that where compromised as a result of identy theft, this is something that holding me and my family back and not able to refinance my home because no one will extend credit to me because of all of these wrongful and innacuracies in my report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documents, including a letter from an advocacy group helping me as a victim of XXXX XXXX XXXX XXXX XXXX. This situation falls under trafficking as defined by the

Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly ask you to block this information from my credit report within four business days, as required by Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I request the removal of all related items and the deletion of any company information from TransUnion. Please take action to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Inadequate Dispute Investigation- I am submitting this complaint against Experian for their failure to conduct a proper and thorough investigation into multiple disputes I have filed. I am a victim of said lawsuit against Experian for not conducting a proper investigation.

The disputed accounts contain erroneous information that is negatively impacting my credit score and hindering my ability to obtain credit. Despite my repeated attempts to rectify these inaccuracies through the proper channels, the response and action from Experian have been unsatisfactory and non-compliant with the Fair Credit Reporting Act ( FCRA ) & The consumer Law 15 U.C.code 1681E ( B ) compliance procedures Accuracy of Report.

I trust that the CFPB will address this issue with the urgency it requires, ensuring that Experian adheres to legal standards for credit reporting accuracy and dispute investigation. Thank you for your assistance in this matter. 
Disputed account attached below.
Product: Student loan

FedLoan Servicing continues to send me bills for loans I did not make even though I have proof that I did not. The company states they made loans to me although I received no monies from them. They also state they sent monies to University XXXX who returned all monies to them. I have receipts from the University XXXX proving my case.
Product: Mortgage

I made a mortgage payment in the amount of XXXX in XX/XX/22 which is the monthly mortgage payment which is not due until XXXX had an outstanding escrow balance and clearly told my mortgage company to credit this payment toward my outstanding escrow since they did not credit my acct for the monthly payment .my mortgage terms should not include escrow at all.but I want to pay the outstanding escrow before my next payment is due in XXXX so my payment will go back to XXXX instead of XXXX please help because they are holding the money in suspense instead of crediting my acct properly.thank you in advance for your help.
Product: Mortgage

Some time between XXXX XXXX  I was advised by my broker with Prosperity Mortgage LLC that since we were having issues with the sale of our previous home, we would be able to recast our mortgage after closing of the new home and have our minimum payment due adjusted due to the large down payment. I was told it would be a {$250.00} fee and that was that. I wish I had gotten this in writing, otherwise we would not have went forward with this purchase. On XX/XX/year> I had reached out to my now mortgage lender, XXXX XXXX, to get more information on the recast process. I was told we were not eligible due to having a VA loan. I reached back out to my broker to only be told " we can refinance you, but can not recast ''. I feel this deal was predatory as they knew we would back out of the deal otherwise, and the alternative provided was incorrect. I will never refer this company clients or use them again after this.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XXXX XXXX2023, I received a call from this company. I told the guy to cease and desist all communication and he attempted not once, not twice but three times to keep talking. My next step is to file an UDAAP and FDCPA lawsuit for harassment. I do not want any calls or letters from this company. CEASE AND DESIST!!
Product: Mortgage

Hi, There is a foreclosure sale date set on my property for XXXX/XXXX/15. I have tried to request postponement and the lender has denied the request. I just received an offer on the property XXXX/XXXX/15. I have sent a copy into the lenders. I know this is very short notice but I 'm asking for you to help me with postponing the foreclosure if possible. My XXXX failed and I 've had to relocate to find other work to make a living. I feel that a short sale is the best option for everyone at this time and will appreciate anything you can do to help me.
Product: Debt collection

Per Nev. Rev. Stat. Ann 449.01511, Collection agencies are permitted from commencing civil action for debts less than XXXX and collecting fees of more than 5 %. Allied collection has been relentless in attempting to garnish my accounts and my pay. I attempted to settle this debt and offered XXXX dollars and they refused. I contacted the agency in XX/XX/2021 to tell them to stop collection attempts.
Product: Debt collection

There was an agreement made and they were suppose to clear my account to be at XXXX balance. They was a phone call made at XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a XXXX XXXX XXXX XXXX. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and was told i needed a ftc report.I am very frustrated because this is affecting my credit report.I tried to add another fraudulent account to but i couldnt add it. The account is XXXX XXXXXXXX XXXX this account is as fraudulent. I have also called these companies where the fraud happen and they could not verify my information. I have attached the FTC report below along with my driver 's license and social.