23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is an apartment I did not ever reside at. I had a house at that time and did not live at this apartment at all. My house address was XXXX XXXX XXXX, XXXX, Texas.
Product: Credit reporting or other personal consumer reports

Hi, my credit report has an inquiry which I don't recognize, I did not give permission to this company to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that some inaccurate accounts and late payments were reporting.
Product: Debt collection

I recently examined my credit report and noticed multiple accounts that appear to have been added without my consent and are inaccurate. I ask for the immediate removal and blocking of these fraudulent accounts from my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a {$600.00} USD payment and on XX/XX/2021 I initiated a payment of {$1400.00} USD to a recipient of whom I thought worked for a real estate agency for a house payment. However they did not work for the housing agency. They used non legitimate documents and claims to snake the money away from me via XXXX and Bank Of America. They provided me with Fake Approval Letters, and Lease documentation as well in which I printed it out because it was emailed to me. I signed it & sent a picture back to the scammer. I still have access to the phone numbers & emails that were used to get information from me. As well as the person whom I initially was contacted by on XXXX marketplace regarding the home listing. I contacted Bank of America and of course they said there was nothing that they could do on their ends to track whom did this nor reimburse my funds. Frustrating situation. I even contacted my insurance provider ( Progressive ) to get renters insurance on the property. I can be reached at XXXX.
Product: Debt collection

Im really grieved and exhausted at my experience with NCB MANAGEMENT I was unfortunately a victim of identity theft. I have a mother who has XXXX and a child with XXXX so its really hard and very challenging to battle back and forth with this agency. I sent a letter to this agency with a certified return receipt. That indicates the letter was signed for an received on XX/XX/22. In the letter I Included a copy of my identity theft affidavit. Im simply asking for this account to be remove from my report. Its been well pass 30 days and Ive received no response.
Product: Payday loan, title loan, or personal loan

I have a helc line with Bank of America, at the beginning of XXXX Bank of America had problems with correct balances. I called in multiple times only to be told that they cant fix it until they correct their internal issues, since my checking balance has been corrected, however the home equity credit line has not. The balance on the mentioned helc account is Reflecting over {$4000.00} Above the balance that I owe. I have contacted the bank numerous times to correct their mistake, I have waited on hold for over 2 hours on multiple occasions and never contact a representative.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Please note that this is not a duplicate complaint. This is about an unauthorized wire transfer done by XXXX because of their sheer incompetency and carelessness. 

XXXX has no internal controls or validations. They delayed my XXXX wire transfer requests of $ XXXX each ( to XXXX different banks ) for days for no valid reason. Now they have incorrectly sent both wire transfers of $ XXXX to the same bank. 

Not only that, when I called them to alert them about their mistake this morning, they still failed to do their due diligence and prevent this disaster. A supervisor named XXXX lied to me on a recorded line saying that even though there are XXXX debits in my account of $ XXXX going to the same bank ( XXXX ), the second transfer is indeed going to the correct bank XXXX XXXXXX/XX/XXXX). Of course that was again a lie. I just checked my XXXXXX/XX/XXXXand they have received $ XXXX and $ XXXX from XXXX. How can people running XXXX be soXX/XX/XXXX? They have put me over the FDIC insurance limit with the XXXXXX/XX/XXXXbecause my bank balance with that external bank is now over $ XXXX. 

On top of that, my financial transaction with the XXXXXX/XX/XXXXis on hold now as they never completed that $ XXXX wire transfer. Just now spoke to a supervisor XXXX and all she can do is say " I apologize '' with no way to fix anything. Because XXXX has fraudulently sent another $ XXXX to XXXX XX/XX/XXXX without my approval, there are not enough funds left in my account to send to XXXXXXXX XXXX XXXX XXXX as per my instructions. And XXXX is refusing to do anything about this other than to say " I apologize ''. 

I can't complete the transaction for which I needed the $ XXXX in XXXXXXXX XXXX XXXX XXXX and I have lost days of interest on the unauthorized XXXX transfer they sent to the XXXXXXXX XXXX 

History XX/XX/XXXX Outbound wire to XXXX XXXX XXXXXXXX. - {$250000.00} XX/XX/XXXX Outbound wire to XXXXXXXX XXXX XXXX  - {$250000.00} The one from XX/XX/XXXX in unauthorized wire transfer. 

Scheduled Transactions XX/XX/XXXX Outbound online wire to xxXXX - {$250000.00} My authorized wire transfer request to XXXX XXXX  is still pending and is still showing up in Scheduled Transactions even though there are not enough funds left in that account because of XXXX 's unauthorized activity. 


Here is the case number that was provided to me XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reporting late payments as of XXXX, XXXX, XXXX and XX/XX/XXXX but payments were made balanced was cleared XX/XX/XXXX. 

I reached out to the company because payments were auto draft and the advised this would be corrected. 

Made all payments on the account on time.
Product: Mortgage

I have an FHA mortgage loan, I believe SN Serving Corp is robbing us blind with interest payment over {$17000.00} for XXXX and the XXXX mortgage statement stated we owe XXXX, and XXXX say that we owe XXXX. we need help because we paid over XXXX annually for a mortgage payments. We have a modification interest rate of 6.5 %. I have paid this company since modification XXXX within 3 years and my mortgage have not moved. We need help because they are really hurting our finances. I have the 1098Mortage statement to proof this company is ripping us off
Product: Money transfer, virtual currency, or money service

This complain is against XXXX XXXX XXXX XXXX XXXX due to her covering up for PNC Banks misconduct for temporary blocking me from having access to my Bank Accounts. Despite the repeated contact attempts she has not responded to any of my return calls
Product: Credit reporting or other personal consumer reports

ADRESSES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Employers to be removed XXXX XXXX XXXX ADD CURRENT XXXX : XXXX XXXX XXXX INNACURATE ACCOUNTS XXXX XXXX XXXX XXXX BALANCE XXXX CLOSED XXXX HAS NO RESOLUTION TO PAY THE BALANCE. COMPANY IS CLOSED AND DOESNT ACCEPT PAYMENT... 
30 DAY LATE MARK XX/XX/year> PLEASE REMOVE XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Account number XXXX Switched insurance from XXXX for cheaper rates and was charged 2 months and sent to collections.WILL PROVIDE PROOF PLEASE REMOVE
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Bank of America breached my account holder 's contract by paying out {$19000.00} to a non-owner of my individual account on XX/XX/XXXX. I was the sole owner of this account as shown on signature card and verified by Bank of America on three separate occasions after this date. Pursuant to the account agreement, Bank of America should not have permitted any withdrawals from this account except those on the account owner. However on XX/XX/XXXX Bank of America accepted a checking /savings withdrawal from the non-owner in the amount of {$19000.00} as shown in the photo copy. 
I immediately notified Bank of America and tried to stop payment on this transaction XX/XX/XXXX but since this withdrawal was done in person on XX/XX/XXXX the money was gone from my account and the cost of the Stop Payment was return to me. I notified Bank of America of this fraudulent withdrawal by filing a Fraud Statement of Claimant form on XX/XX/XXXX. I also reported this to the XXXX Police Department. 

Getting no positive response from Bank of America I enlisted a local attorney XX/XX/XXXX. Due to deteriorating health issues that caused me to be diagnosed with XXXX XXXX XXXX XX/XX/XXXX, I was not able to pursue this case further since the XXXX was a two year XXXX XXXX XXXX XXXX  from several treatment centers and hospitals in XXXX and XXXX XXXX Missouri. Finally in XX/XX/XXXX my attorney sent a letter to Bank of America Legal Department stating our case against them. On XX/XX/XXXX Bank of America responded asking for documentation to be sent to fax number XXXX. Copies of the individual signature card, individual signature card with personal bankers name, Fraud Statement of Claimant, and Bank of America withdrawal slip for {$19000.00} from the non-owner honored by Bank of America were all sent by my attorney on XX/XX/XXXX to Bank of America fax number as requested by the Bank of America Legal Department. However, as of XX/XX/XXXX no other response has occurred to my attorney or myself since XX/XX/XXXX from Bank of America.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and fraudulent. I am a victim of identity theft. I would like for thIS account in this complaint to be removed as soon as possible.
Product: Student loan

I applied for loan forbearance back in XXXX when XXXX was still handling my loan. I was approved for forbearance until XX/XX/2022. However, my loan was transferred to Aidvantage  recently and has my loan repqyment information wrong. When I look at my loan information on their site it says my loans are due to be repaid this month on the XXXX. That is incorrect and I have the approved forbearance letter that clearly states my loans are in forbearance until XXXX of this year. I will attach the letter in this complaint. 
I can not have Aidvantage  ruining my credit by reporting I have not made payments on my loan. They need to update their information.
Product: Money transfer, virtual currency, or money service

Transactions it was made and not returned as it was not an approved by me
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

XXXX XXXX is showing a late payment on a closed account that is XXXX XXXX related. 
This account has been fully obligated and now because of XXXX XXXX is indicating XXXX time late. Partial account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid a collection off in XX/XX/XXXX. The closed account reported a collections on XXXX of XXXX. I am trying to get this removed from my account. Please help me with this. I have reported this to XXXX XXXX and they said they did not report this, only the credit reporting agencies can change this. I reported this to XXXX, equifax, and XXXX, and all 3 said it met their reporting standards even after I have called each reporting company twice to get this account removed or updated. I have filed a complaint with cfpb and this account has NOT been verified or updated. The account is XXXX XXXX. See attached documents. I would like this account removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was scammed using the following app Cashapp someone sent {$65.00} to a random individual from my account. Once I realized that the payment had took place the person had already accepted it. I constantly requested the money back but to avail the person blocked and changed or deleted their account afterwards. I tried contacting customer service they basically said it was my fault and nothing they could do but online I saw they had a scam policy which they did not follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX added a remark to my account that dropped my credit score 26 points ( XXXX  ) and 20 points ( TransUnion ). It was the only change on my report, and I'd done nothing differently- I was up to date on payments and hadn't requested a deferment or forbearance. 
I tried to contest it with the major credit bureaus on XX/XX/XXXX, with no luck. 
On XX/XX/XXXX, XXXX XXXX removed the remark from my account, which combined with other things ( credit card payments decreasing my balances, a hard inquiry expiring ) raised my score 20 points ( TransUnion ). Still haven't gotten the points back on XXXX. 
The erroneous mark dropped my score so much, and it hasn't recovered totally. I should have gotten those points back, but I didn't. 
XXXX XXXX hasn't communicated with me at all.
Product: Credit card or prepaid card

I am contacting you about money that I lost from a Vanilla eRewards Visa giftcard. In XXXX I was issued 2 gift cards by my apartment complex through Vanilla eRewards as a signing bonus for my lease. Each gift card was {$1000.00}. 

I used these gift cards to pay for a travel package through a company called XXXX. Due COVID19 the trip was canceled and the money was refunded to the gift cards past the gift cards expiration date. 

Because the links that were given to me to access the gift cards were no longer valid ( past expiration ), for the last year I havent been able to access the credit card numbers and security codes to try to track down the money through your phone service. I finally found a screen shot of one of the gift cards and I tried the 16-digit card number on the credit card company 's phone service and it says the card doesnt exist because it is expired. 

I have also tried to work with XXXX to locate the money, and I havent been able to do so. I have attached email exchanges with XXXX XXXX who shared documents with me showing that they did refund the money to those cards. And below you will find all of the card information that I was able to locate for BOTH cards. 

CARD 1 INFORMATION : Card Number : XXXX Expiration Date : XX/XX/XXXX Security Code : XXXX CARD 2 INFORMATION : First 6 Digits : XXXX Last 4 DigitsXXXX Expiration Date : XX/XX/XXXX
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 15 USC 1681. 

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 XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.