23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Big Picture Loans sent me a letter dated XX/XX/2018 stating that they have tried to contact me numerous times about the delinquent status of my account. I have never done business with them. The letter states I owe {$1000.00} principal on a loan plus {$1100.00} in interest. 

The representative at Big Picture Loans only told me that an inquiry was placed in XXXX of 2018. He then asked me for my social security number and my personal bank account and routing numbers - I did not provide any of these and ended my call with the representative as this entire thing feels like a scam. 

I immediately checked my 3 credit reports and see a number of hard inquiries on XX/XX/XXXX from various companies - I will be submitting separate false credit reporting requests for each of these also.
Product: Mortgage

BSI financial has totally messed up my escrow. I have asked to remove them from making my escrow payments they refused, I updated my homeowner 's insurance premium and they increased my payment, even though my homeowner 's insurance went down. They for some reason attempted to disburse my homeowner 's insurance payments more than is necessary. I would like a XXXX party review of my escrow account with this company!
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 me 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 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 - 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: Credit reporting or other personal consumer reports

I sent a letter off on XX/XX/XXXX. This is my tracking number # XXXX for the letters that I sent off to the Bureaus to remove personal information that is not mine on my credit report, as well as fraudulent and inaccurate information that is causing my credit score to drop as well as me get denied credit. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Amount Owed {$1600.00} Amount {$1600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is fraudulent and is not my account and should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX Date Opened XX/XX/14 XXXX {$2300.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX  true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( XXXX ) are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously reported to American Express that I applied and received a credit card with them, which I did, and enjoy using.

However, I only did one application, but my report is showing two credit checks.

They previously stated only one was credit check was initiated, and to contact them if I had any proof showing otherwise. I mailed a response letter, a copy of my credit report, and their response letter to the address listed in that letter, via certified mail on XX/XX/XXXX. It was delivered and signed for a few days later. 
I have received no response, and the two inquiries are still on my credit report. This is inaccurate reporting and needs immediate attention, and correction. 
One inquiry is listed as American Express and was on XX/XX/XXXX through XXXX. 
The other inquire is listed as American Exp and was on XX/XX/XXXX through XXXX
Product: Debt collection

Dear Bank of America Team, Cc : CFPB Team, I am writing to express my serious concern regarding two accounts reported by your company on my credit report, which were allegedly opened in XX/XX/XXXX and XX/XX/XXXX. I have already filed an FTC XXXX XXXX XXXX and submitted other documents, yet I am still not aware of these accounts. Despite my disputes with the credit reporting agencies, your assertion of the validity of these accounts has been upheld. 

I want to clarify that I have no knowledge of or engagement with your company or any original creditor associated with these accounts. The inaccuracies in reporting these accounts appear to be a result of fraudulent activity and constitute violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

To resolve this matter, I request the following documentation : Proof of Debt : Provide evidence of the alleged debt, including any contracts or agreements bearing my signature.

Authorization : Evidence of your authority to collect this alleged debt under 15 USC 1692 ( e ) and 15 USC 1692 ( f ).

Legal Basis : Documentation detailing the legal basis for your collection of this information and the alleged debt.

Operational Authorization : Proof of your authorization to operate in my state.

Account History : A complete account history, including any collection-related charges.

Additionally, I am filing a formal complaint for violations of my consumer rights under the FCRA and FDCPA. Under 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) requires written instructions before any account can be furnished. Consequently, I demand that all communication and collection activities related to these accounts cease immediately. Furthermore, I request the deletion of these accounts from my credit report due to their unrecognized status and the absence of any contractual obligations.

Your actions have violated the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

I expect the immediate deletion of these accounts from all credit reporting agencies. Your actions have significantly impacted my credit report and overall financial wellbeing, and I anticipate prompt rectification of this issue.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have perfect credit. 

On XX/XX/XXXX, XXXX XXXX notified me that my TransUnion credit report changed to include a derogatory account from XXXX XXXX Account. 

Please note that the XXXX XXXX Account was reported as FRAUD through law enforcement reports filed several times including a report filed TEN YEARS AGO on XX/XX/XXXX ( XXXX XXXX Sheriff 's Office, Case # : XXXX ). In addition, I filed a report with the XXXX XXXX Sheriff 's Office on XX/XX/XXXX, when I found that a fraudulent address in XXXX XXXX, Florida, was being used as my residence. 

To this end, please remove immediately the XXXXXXXX XXXX Account from my TransUnion credit report. 

I am happy to pay whatever I owe, but I will not pay a penny of someone's financial scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided 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 or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : US DEPT OF EDUCATION XXXX # XXXX XXXX XXXX XXXX # XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received documentation from XXXX XXXX saying that I owe them a debt. These documents arent proof and the looked created by XXXX XXXX rather than official from XXXX XXXX. All documents look fake. There is no transactions to show why the amount is what it is. They dont contain a wet signature from me stating that I agreed to a contract with them neither to this XXXX XXXX account. Look at attached documents below.
Product: Student loan

I applied for PSLF when it was initiated and have had numerous conversations with both the loan servicer and federal student aid throughout the years. I have followed all the steps that have been given to complete my student loan debt as instructed. However, after my student loans were transferred to a new loan servicer AidVantage from XXXX, I have been given false information and incorrect instructions that has required several extra payments being made to fulfill this. I have disputed and complained regarding false information and requested transcripts of conversations however have yet to receive anything. This is now affecting my credit score as Aidvantage is reporting that payments are not being made as I was told not to make any further payments and apply for forbearance. I have requested my payment counts to be recalculated due to false information each time I call. When I call Aidvantage, I am told that Federal Student Aid is required to handle and when I call Federal Student Aid, I am told that Aidvantage is required to handle. I never had any issues when XXXX serviced my loans and according to my records from XXXX, my payment count exceeded 120 payments in XX/XX/year>. I would appreciate any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my report when I realized I have been a victim of identity theft. The accounts/ inquiries below are fradulent FRADULENT INQUIRIES BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US SM BUS ADMIN ODA XXXX XXXX FRADULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX Advanced Collection Bureau XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Double billing : This happens when the same bill is submitted multiple times when the procedure was performed only once. ( for my case, I've never seen a doctor, it was a 15-minute chat with a clinical nurse. ) I, XXXX XXXX, XXXX the problem in a clarity of speech as result of the documented XX/XX/11 XXXX post-disaster health problem. I have been sent by XXXX  ( XXXX XXXX XXXX ) to XXXX XXXX XXXX for a yearly check up. Never see a doctor, it was a 15-minute chat with a clinical nurse only. The visit was paid by XXXX ( XXXX XXXX XXXX ). Since then the XXXX XXXX XXXX and Advanced Collection Bureau keep harasting me for a years. They trying to get another {$300.00} for already paid visit ( which was actually not a doctor visit ). The agent of Advanced Collection Bureau refused to work with me without me giving updated (??? ) info to resolve issue of Fraudulent Charge. They sent a negative information to the XXXX   Credit Bureau and spoiled my FICO.
Product: Money transfer, virtual currency, or money service

My foster son moved out and back with his biological mom. while he lived with us he had a debit card which I would put allowance on bi weekly I guess he took his debit card with him when he moved out. His bank account had no money in it which he knew. He made a purchase on his phone his mom got him, through XXXX apps and it was a XXXX purchase for 1 year subscription for XXXX XXXX XXXX to win real money. This purchase was done XX/XX/XXXX he left my house XX/XX/XXXX. I contacted XXXX and spoke with a very nice representative that opened an investigation ticket I told him I already spoke with my bank and over draft charges will accrue XX/XX/XXXX. he said he would rush it and XXXX investigation team would email me and let me know what will be done. I received no correspondence at all. I decided to check my bank account at about XXXX XXXX XX/XX/XXXX where now there is overdraft charges. I contacted XXXX and the lady was extremely rude and said they are not refunding my XXXX or any overdraft investigation is over and she would not tell me what the outcome was. I requested for her to submit complaint on my behalf which she kept refusing to do. I was told my account would be refunded, and he XXXX account would be shut down. I am not understand why this is not being refunded he is XXXX years old, and it is my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an unknown collections account from a company I have never been credited with. Disputed and was somehow verified. Now they are flagging my account every 3-4 days ...
Product: Credit reporting or other personal consumer reports

The vehicle was a total loss in XXXX of 2024 due to an accident. The insurance paid and I was told that everything was satisfied. I purchased gap insurance at the time I purchased the vehicle and the salesperson assured me that the coverage was in place. I do not owe them any additional money. They were paid off by the insurance company and I should not be held responsible for the dishonesty or poor training of their salespeople. I should not continue to be harmed by having this erroneous information on my credit report. The debt was paid and settled by the insurance company.
Product: Checking or savings account

I am reaching out due to an ongoing issue I am having with Bank of America. Ive had a personal account, and I receive my direct deposit from my job directly to this account. However, when I tried to log in to my online banking I received and error message. When I called customer service, after spending almost 30 minutes being passed around the phone, they advised my account is being closed and they could not give me any information. The communication from the bank has not been clear and I have received conflicting information. I feel misled, taken advantage of and pushed to the side. This is unfair as the funds from my job are what I use to support my family. I tried explaining this to no avail.

The way Ive been unfairly treated by Bank of America is completely unacceptable. I received a call from one of their reps advising that someone from the resolution department will call me in 4-5 business days and they provided the number XXXX. Today my direct deposit from my job hit the account but the funds are being held by the bank. I am a father of XXXX small children and the only source of income in my household. These funds are directly from my job with the XXXXXXXX XXXX XXXX and not the first time this direct deposit has been deposited to my account. When I tried calling the number mentioned above no one answers and when I called the bank in regard to the funds the information given is confusing, I am given the run around and they are neglecting my request for proper information. I feel I am being discriminated, not given proper accurate information and just pushed aside when this is a very important matter to me. I need the funds to be released and for them to allow me to access the funds or withdraw from the account. If they choose to close the account after that is fine but I need my hard-earned funds to be released to me immediately.
Product: Checking or savings account

Account is on hold we tried resolving over the phone and branch and no help was ever given they are holding our funds against our will we tried resolving with bank but they dont want to budge
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy on XX/XX/2018, my Bankruptcy was officially discharged. The Credit Bureaus have not updated my credit reports accurately, as follows : XXXX  is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$33000.00} - Discharged in my Bankruptcy Trans Union is Reporting as follows : XXXX XXXX  XXXX  # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX  is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$27000.00} - Discharge in my Bankruptcy XXXX XXXX XXXX  XXXX # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX XXXX XXXX # XXXX Balance {$280.00} - Discharge in my Bankruptcy XXXX XXXX XXXX XXXX  # XXXX Balance {$280.00} - Discharge in my Bankruptcy I've contacted the Creditors and the Credit Bureaus multiple times to remove this incorrect/fraudulent information from my credit reports and the Credit Bureaus have been incompetent to update my credit reports accurately ...
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Money transfer, virtual currency, or money service

I made an online banking transfer to my other bank on XX/XX/XXXX the next day I realized that its going to be too late as I need the funds on XX/XX/XXXX not XX/XX/XXXX. I checked the online banking if there is a way to cancel this transaction like my other bank does but not thru Wells Fargo online banking. The money was already deducted to my account but it is not yet transferred on my receiving bank. I called customer service but they said once its initiated there is no longer a way to cancel it. 
I believe this is a violation of EFTA and Consumer protection as I no longer have access to my money but I can not cancel the transaction. Even checks there is a way to request for a stop payment because its just a presentment until it clears. I believe so as an EFT Transfer its deducted to my account but not yet received by the other bank so it sits somewhere its not even 24 hours. 
I have account in another bank and I have a screenshot that while its in the process I have the option to cancel the transaction but Wells Fargo online banking does not have that option.

Please comment and investigate because Im sure in not the only consumer who experience this.