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

I received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


I was Never Late on ( XX/XX/2024, XX/XX/2024 ) on this Account Please Update the account as PAID/CURRENT. 

I HAVE ATTACHED A DOCUMENT OF EVIDENCE OF CURRENT ACCOUNT AND NEVER LATE PAYMENT. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.
Product: Checking or savings account

I have a duly executed Power of Attorney to assist my elderly mother with financial and other issues. I have jumped through every hoop Bank of America required, including having the attorney who prepared the document, which has been accepted by numerous other financial institutions, redraft and my mother and 2 witnesses re-sign, due to a minor and completely inconsequential typo that caused the BOA legal department to reject it. 

All I am trying to do is assist my mother to be sure her bills are paid and finances are managed to help her stay in her home and out of a XXXX XXXX  for as long as possible. She is XXXX years old and refuses to use technology. I live a 5-hour drive away and need to be able to manage things remotely. I have set up online banking for her, but because BOA prevents me from having my own online access as Power of Attorney ( for reasons no one there can explain rationally beyond, " it's our policy '' ) I have been using that access as my only avenue to pay her bills remotely. 

BOA disabled her online access and notified us that I am not authorized to use the account, and the only way I can be is to be added as a co-owner. Every piece of legal advice I have gotten recommends against this, so as not to saddle one another with any liabilities that should be individual, suggests that I may be slapped with gift taxes by being added to this account, and that because it will cause the money to pass directly to me upon her death, create issues with inheritance to be split according to her will. Bottom line is that it seems ill advised to make myself a co-owner, which is why we went the route of paying an attorney to prepare the POA, which Bank of America has essentially rendered useless unless I drive 5 hours to be in the same room as my mother every time I need to access her account, which is highly impractical. 

I believe we have tried to do the right thing at every turn, and yet have absolutely no recourse with the bank and its ridiculous " policy. '' They have defeated me - I am dragging my mother, with her walker, to the bank this afternoon to do their bidding and add myself to this account and deal with whatever the fallout from that becomes. But I would like to protect others and help change their insane system that is designed to prevent family from helping one another. Can CFPB help in any way??? I have beated my head against the Bank of America wall until it hurts and I give up.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} - previously Late Open XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

XXXX XXXX XXXX XXXX  assumed a debt over a defaulted mortgage and wants to settle on foreclosing the property. The defaulted mortgage was signed by a woman ( XXXX ), and was co signed by a man ( XXXX. ). XXXX XXXX XXXX XXXX  did a wide sweeping title search and created a Foreclosure Transaction Consumer Credit Transaction Summons and named many possible subordinate lienors. 
In their sweep, they included my ex husband ( XXXX ), who has the same name as the second signer, the man who defaulted on the property loan. They then named me, by capacity of my having a money judgement against my ex-husband, for unpaid equitable distribution. They name The IRS as a defendant as well, in the capacity that at least three other men who all share the same name, and have tax liens against them. XXXX XXXX XXXX XXXX is trying to subordinate my money judgement to theirs. Further, my ex husband is not the person who signed on that property loan to begin with. The signature on the lease is not his signature, he was married at the time and not living with the woman cosigner on the loan, or in the property in question. 
I have been told that I need to take counsel to protect my interests, but I can not afford to do so. If I need to take an attorney for this, I would have to seek sanctions. This is shoddy legal research at best, or a nefarious legal tactic, to use a title search to find persons with convenient names, who have liens which can be easily usurped.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXXXXXX {$10000.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXXXXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXXXXXX {$250.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, we are refinanced the Mortgate with Freedom Mortgate Banker by my Loan Officer/ XXXX XXXX the payment fix 15 years is {$3200.00} monthly, We never missed any payment from XXXX XXXX XXXXXXXX set up 10 day before the due date of the billing but we keep getting phone call from them late payments or some kind incorrectly amount due! We did contacted them to explain but seem like they are not fix that and keep bother a lot to calling my cell, today we received a letter from them to showing past due mortgage again and again, Please help to make them stop that and send me the monthly bill by malling to show exactly what of principle and interest charges of monthly when I never asked them paperless, my account from Freedom Mortgate is XXXX number XXXX, Thanks so much! XXXX XXXX
Product: Debt collection

Portfolio Recovery needs to be shut down- they illegally just slap on debt under my social security number illegally - I do not have a contract with them - nothing signed have no clue who this XX/XX/XXXX is other than XXXX! so they sell our address social sec numbers bank accounts to XXXX or a hoax company! show me the giovernment legality they can do this! Otherwise let s bring XX/XX/XXXX here so we can take care of these crooks ruining the credit of the middle class! 
Get them off my credit unless they show a contract that I signed with them. XXXX Close these companies down now!
Product: Debt collection

In XXXX or XXXX of this year I visited a XXXX clinic in XXXX, Arizona. I presented my insurance card and paid my co-pay but never received a bill. Approximately two months later and with no further communicatoin I received a letter from Nemo 's Collections for an unpaid balance that I was never contacted about. I called Nemo 's the same day and paid in full with a credit card. I also told them I never received a bill. It is now 6 months later and my credit score reflects an unpaid bad debt for which I was never billed. Both XXXX and Nemo 's Collections have behaved unprofessionally and acted in bad faith regarding this debt. This derogatory information should be removed from my credit file immediately and XXXX/Nemo 's Collections should be warned regarding their unprofessional behavior. 

XXXX XXXX XXXX.
Product: Credit card or prepaid card

I received card ( debit/credit ) in the mail that I did NOT apply for and don't want. Did someone use my ss # to apply for unemployment in Pennsylvania? That's the reason listed as to why I got this card. That is what they did with my number in NY. Please fix this. My credit was compromised back in XX/XX/2020 and many charges were made in my name at that time. Please try and catch these unscrupulous people. Thanks
Product: Student loan

My previous loan servicer was fedloans before my loans were transferred to XXXX. In XXXX of XXXX, I was advised that one of my loans would the eligible payment count and would be discharged once I recertified my employment. At the time I had three separate XXXX XXXX being held by XXXX XXXX. She told me to send in my recertification paperwork and then wait two weeks to apply for the discharge. Shortly after ( XXXX ) applying for the discharge a XXXX told me that I should consolidate them so then the payments that were on loan 1 ( the one eligible for discharge ) would count towards all of the loans, so they would all be discharged. 
I called and applied for the consolidation and included the loan. I was advised by a representative to go ahead and file an appeal ( reconsideration ) on student XXXX just in case my loan wasnt included and they were unable to stop the discharge. I called again and was told they would be able to stop it, so my loan could be consolidated and all my payments could count towards the discharge of all of my loans. Since they were backlogged and in the process of transitioning to Mohella, I began to get anxious and spoke to a supervisor at XXXX XXXX  ( XXXX ) who reassured me that they had stopped the discharge and that I he would send it in writing. I called multiple times only to be told that its a 30 day process. Then XX/XX/XXXX I received an email that my loans had been transferred to Mohella. I called XXXX in a panic and was told they could no longer access my records. 
Mohella then told me that they received all three of my loans and was processing the discharge. Meanwhile, I received a letter discharging the loan and another letter saying that loan XXXX wasnt included in my consolidation because it had been discharged. Once my consolidation went through, my account reflected a XXXX balance. I called Mohella for clarification and they told me that my loan was being discharged. After not hearing anything for a month I called back to inquire about the status and they said that the XXXX balance was a reflection of the consolidation. I also noticed that they changed their outgoing recording to reflect that when it previously didnt. 
When speaking to fedloans I said I was eligible for pslf as an educator and always asked my options. However ; they never told me about the consolidation until after they told me to apply for discharge leaving me with over {$40000.00} in loans that wouldve and shouldve been discharged as well.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report. 
Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXX XXXX XXXXXXXX verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Credit card

With all my credit card companies I have setup email alerts about the payment due date. 
Bank of America is the only bank that sends due date email notices with only the Minimum Amount Due.

It is a correct information, but deceiving incomplete information. People may mistakenly think that they only need to make the Minimum Amount payment, and then enter into the credit card 's interest payment cycle.

Every other bank sends a notice with both, the Minimum Amount Due as well the the Full Balance Due.

Bank of America is intentionally misinforming its customers as it does not provide the complete information. 
Attached is a screen print of Bank of America 's email.
Product: Debt collection

this company asking for money for my utilities and i don't do business or heard of this company ever in XXXX XXXX in the Amount of {$140.00}. I don't owe them XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX, Experian, XXXX, has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything
Product: Credit reporting or other personal consumer reports

I would like to request the removal of inaccurate personal information on my credit report, as it is negatively impacting my FICO Score. Details are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

these loans was a forbearance these loans was defferred and in XX/XX/XXXXXX/XX/XXXXany lates was covered my bankruptcy
Product: Checking or savings account

Between the dates of XX/XX/XXXX and XX/XX/XXXX I had XXXX XXXX dollars fraudulently charged to my Chime bank accounts. The card was supposed to be locked in a safe that was in my apartment. The account was used to store money for my upcoming wedding. When I logged into the account the end of XXXX, I noticed I was XXXX negative. I immediately went to dispute the charges and the first try was lackluster, I couldnt get someone to do it. I called again and got someone to go through and dispute all charges. Within seconds of ending the call all the disputes were denied. No one looked at my account, no one tried to track where these transactions were made. No effort was given in protecting my account. I waited a few weeks to try and reach out. When I reached out I was given the cold shoulder and cookie cutter answers. I was told my claim was going to be given to the fraud department and they would be in touch. It has been months and no one answers, no one calls, there is no correspondence. They stated they would send me information they had at their disposal to make the decision but I never received anything. Theyre lying about what happened.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX  - CARD SERVICE XXXX
Product: Debt collection

Despite my efforts and the escalation of this matter, the erroneous account remains on my credit report. This situation has caused significant distress and financial harm. Furthermore, I recently discovered the sudden appearance of Fraudulent Account on my credit report, which was not reported by other credit bureaus. I am puzzled as to how such unverified information has stained my credit report when other bureaus have not reported the same account. This inconsistency raises questions about the accuracy and reliability of the information on my credit report under your supervision. I was the victim and XXXX not sure why the XXXX is not complying with the law. The other bureaus have followed suit. XXXX very confused why this one seems to ignore my requests. Despite repeated attempts to rectify this situation, I continue to encounter challenges, and I urgently seek your assistance in resolving these issues. 
XXXX XXXX XXXX PLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand that you conduct a thorough and expedited investigation into Fraudulent Account. Given the seriousness of these matters and the potential harm to my financial standing, I request the immediate deletion of these fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I filed a complaint with the ( CFPB ) about an account that at the time was in Civil litigation and should have been reported as ( currently in Litigation ) and or deleted from my credit report ( Pursuant to section 611 ) of the FCRA, I furnished court documentation which clearly states that the court order and decree included personal property which I listed as ( account # XXXX XXXX XXXX XXXX ) I Explained to the agency that the Divorce Decree allowed my Ex-wife to keep all the property in her possession including vehicles and real property in her possession, and that I was cleared of all Legal obligations as of XX/XX/XXXX and the decree in which I have sent to the agency in it's entirety orders me to be removed from the contract because I have no Legal claim to it once the Vehicle is paid in full, but the company ignored all my evidence and refused to provide me with any signed proof of the contrary. 

this account should have been deleted months ago according to the court order but the credit reporting agency refused to adhere to the order or the Legal evidence and has violated my Consumer rights under fraud ( Willful Non-Compliance ) and according to ( XXXX XXXX Transunion XXXX ), TransUnion is supposed to ensure MAXIMUM POSSIBLE ACCURACY .... this account violates these laws 15U.S.C 1681s2 - 15 U.S.C 1681 ( i ) - 15 U.S.C 1681i ( 5 ) - 15 U.S.C 1681e ( b ),