23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I submitted XXXX disputes to the CFPB regarding incorrect information reported to all XXXX CRAs. XXXX and XXXX are the XXXX case ids through CFPB. According to their reporting, no payments have ever been made towards the delinquent balance. However, they also reported a recent payment was made on both accounts. I disputed the open dates on both accounts and also the payment history is obviously incorrect as the information on the reporting contradicts the payment history. 
The company responded with regurgitated information which I was aware of. I explained in my initial dispute and also with conversations to XXXX I was in a homeless situation the dates these accounts were purchased by XXXX, but yet they responded about how they sent me mail. Obviously,, the mail was not received as I was living out of my car with no access to regular XXXX mail. Even though they had my email address, they chose to use snail mail as a form of communication. 
The disputes were concluded by XXXX stating no further steps required and the issue is now considered closed. Yet before that statement a promise was made to send me a verification letter confirming the amount in collection is accurate. There was not an explanation provided for the inaccuracy of the payment history or the dates of the account. 
The account that was associated with CFPB report number XXXX was removed from all XXXX CRAs within a couple of days of the dispute. 
CFPB XXXX remains with the inaccurate payment history and the promised debt verification letter was never received. 
XX/XX/XXXX, I called XXXX regarding the absence of the promised letter. The representative automatically went into collect payment mode. Totally disregarding my inquiry, I was offered reassurance simply by paying {$8.00} today by tomorrow my accounts would go into a pay status. I again inquired about the missing payment and she did confirm that XX/XX/XXXX a payment was made towards the account for {$54.00}. When asked about that information missing from my credit reporting, your account was not in a paying status which is why the amount was not reported. However, if I pay {$8.00} today which can quickly be achieved by giving her my banking information, the status of the account will be changed within XXXX hours. Again, why didnt the previous payment not count? 
She confirmed due to the age of my account I will not be sued for the amount. I explained my goal after conquering homelessness but a diagnosis of XXXX XXXX XXXXXXXX XXXX limits my work options and right now I am only part time work from home. I would like to review the documents that were promised but not provided. She promised to get those out to me but in the meantime the best step I can take to get this cleared up is to pay {$8.00} today. I restated my desire to review the documents since the XXXX payment is missing I would like to double check the history for any other missing payments and compare that to the amount they state is owed. Since you are refusing to make a payment there is nothing more I can do for you. I will get the letter mailed. And the call ended
Product: Checking or savings account

When closing on my home in XXXX of XXXX Santander bank refused to allow me to access the funds in my checking or savings account to use for the closing costs because the home was not financed with them. I was told that since I chose not to finance with Santander, that they did not have to allow me to withdrawal my funds in order to cover the closing costs with another financial institution. This problem was initially started at the XXXX XXXX branch. Most recently on Friday XX/XX/XXXX XXXX XXXX at the XXXX branch of Santander Bank refused to allow my mother to make a deposit of XXXX dollars to XXXX out my account and close it. Instead she was rude and arrogant with my mother and suggested that my mother find a complete stranger who banks with Santander to make the deposit since my mother does not bank with Santander. She refused to help me take any action to close the account. This has been an ongoing process for over three years now. I am continually denied access to my accounts and the money in those accounts for reasons they seem to be able to pull out of thin air.
Product: Credit card or prepaid card

I wasnt aware that I had a previous balance on this card with purchase return I thought I had a credit balance and they charged me late fee and its not exceptable
Product: Debt collection

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : - Company Name : XXXX XXXX - Address : XXXX, MN XXXX Complaint : I am submitting this complaint to request the deletion of the XXXX late payment reported on my credit report for the XXXX XXXXXXXX account ( Account # : XXXX ). This late payment is inaccurate and is causing harm to my credit score.

I request that the CFPB take immediate action to mandate the deletion of this late payment and update my account status to current.

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

4. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX and XXXX multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX. I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. 

Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/2024 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Student loan

While my son was a student at XXXX University ( XXXX, GA ) from XX/XX/XXXX - XX/XX/XXXX, he took out XXXX Private student loans to help finance his education. These loans originated with XXXX XXXX XXXX XXXX, XXXX. and I am listed as the co-signer. Since entering into these original student loan agreements, these loans have been transferred/sold multiple times to various depositors/collectors seeking payment. XX/XX/XXXX, we received correspondence from XXXX - XXXX XXXX XXXX XXXX ( at the address of a relative where neither of us has ever resided ) requesting full payment of these loans. After learning of this correspondence, we immediately contacted this entity disputing that we had any type of loan agreement or arrangement with them and asked for the supporting documentation to substantiate their claim. At this time we provided them with our current address and telephone number ( which is the still same in present day ) as a means of contacting us with the requested information. To date we have yet to receive a reply from this entity. 

On XX/XX/XXXX I was served with a court summons where I am listed as the defendant in a civil court case ( lawsuit ) where National Student Loan Collegiate Trust XXXX is the plantiff seeking full payment for one of the previously mentioned student loan agreements. Upon further review of the court documents, I learned that this civil court case was opened XX/XX/XXXX with the documentation initially being served to an address that is not my current one, a different address from where the correspondence we initially responded to was sent. Upon asking for the requested information from the loan depositor/collector, we were then served with a lawsuit, a lawsuit from an organization that currently does not have any agreement in place with us as they have sold this loan ( investment vehicle ) multiple times themselves. In addition to this civil case, I have since learned that a total of XXXX civil court cases ( XXXX for each of the student loan agreements ) has been opened although only one has been officially served. The plantiffs in these other cases are National Collegiate Student Loan Trust XXXX and National Collegiate Student Loan Trust XXXX respectively.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern : Re : Demand to Remove Incorrect and Obsolete Address Information Under the Fair Credit Reporting Act ( FCRA ) Social Security Number : XXXX I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally request the removal of obsolete and incorrect address information from my credit file. According to the FCRA, consumer reporting agencies are required to maintain accurate and up-to-date information and to investigate and correct inaccuracies within a reasonable timeframe. 

The following address ( es ) are no longer valid or associated with my ability to receive mail and must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following names are incorrect or obsolete and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers are incorrect or obsolete and must be removed : XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation upon receiving a dispute regarding the accuracy or completeness of any item in a consumers file. Additionally, 15 U.S.C. 1681e ( b ) mandates that you adopt reasonable procedures to ensure the maximum possible accuracy of the information reported.

I am providing the following documents to verify my identity and current address : 1. A copy of a government-issued ID.

2. A recent utility bill showing my current address.

I request that you update my file to reflect only my current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please complete this correction within 30 days, as required by the FCRA, and provide me with written confirmation that the outdated address ( es ) have been removed from my credit report. If you fail to address this matter appropriately, I may be compelled to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or taking other legal action. 

Should you require any additional information to process this request, please contact me at XXXX or via email at XXXX. Thank you for your immediate attention to this matter. I look forward to your confirmation that these inaccuracies have been corrected. 

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

I was involved in getting a hardship mortgage through bank " Fifth Third ''. Was told while in process, my missed payments would not go to credit report. Was given a hardship option. I closed " selling home '' before needed to use this option. Found that they had reported missed payments to credit bureau, after being told they would not. Company will not let me hear taped conversation 's. Had I been told correct information. I would not have missed payments. As this going on, I had XXXX. Money went to medical bills. Just want bad report off credit. This is my only blemish. Several phone calls involved. Most important on approximately XX/XX/2020. Last spoke with XXXX XXXX XXXX. She said I misunderstood. I asked, what reasonable person would think, she would not answer direct question. Mortgage was paid in full, before XX/XX/2020. Which was last day, I had to make first payment on hardship loan. I was sent letter after last call, saying issue XXXX was opened. XXXX XXXX said issue was not going any farther.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a notification on my Equifax account saying my dispute was settled and the results are available on line. ( See Equifax notification ). Yet this is another lie Equifax is telling because these results are not available on line to me. ( See result disputes 1,2and 3 ) They ( Equifax send me a notification saying the results of my dispute are ready and available to me on line when they know they have no intention of letting see the results on line. They know that I will file another complaint against them if they can not provide credible evidence to rule against me in the dispute. Look for yourself. I have already filed a complaint with the Georgia Attorney General office against Equifax since the CFPB refuse to do anything. Equifax is lying my results are not available to me on line nor to they have any intention of making those results available to me.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report, even after your investigation. I would like this matter reinvestigated immediately. The inaccuracies are extremely detrimental to my credit rating. Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. 
Pursuant to the Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Subpart A-D, please provide the names and business addresses of each individual with whom you have verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

Company reporting inaccurate information. Company not updating credit report in a timely manner.
Product: Credit reporting or other personal consumer reports

I would like these account remove so my credit report can report accurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding my Transunion consumer report. 

I have previously disputed alleged accounts for XXXX and Department of Education however, Transunion never completed the investigations. In Transunion previous responses to the CFPB, it said that XXXX needed more information from me which is false. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, XXXX nor the Department of Education can not verify that any information on my consumer report is factual information. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : 1. XXXX 2.Department of Education 3.XXXX XXXX 4.Foursight XXXX 5. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a charge off I had with USAA on my credit report through their third party collection agency XXXX. The payment was made in XX/XX/2018. I was told that the information would be updated to USAA within 10 days after I paid. Also, I was told that I would have to contact USAA for any future information on the status of the charge off. When I called USAA for a status update, I was told that no one is allowed to speak with their credit reporting department. The representative told me the only action I could take was to fill out their consumer report dispute form. After filling out the form and mailing it to USAA, the next month I called back to get an update on the dispute form. I was then told again by another representative that they could not give me any information, and to again fill out the consumer report dispute form. I still have yet to hear from USAA on the status of the dispute form I sent to them.
Product: Debt collection

According to 15 U.S. Code 1681c-2. This is my statment that all of the listed accounts have been reported with out my expressed written concent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. fraudulent unauthorized account : XXXX XXXX XXXX Acct : XXXX, XXXX XXXXXXXX Acct : XXXX XXXX, XXXX XXXX Acct : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Finance Companies used the shotgun approach on my credit report without telling me they did it and many still check my credit score without my permission .... My I have XXXX inquires on my XXXX credit score and XXXX on my XXXX XXXX On My XXXX mostly hard inquires That has drop my score and now im not able to get finance or a loan Im denied everything I want every finance company contacted
Product: Credit card or prepaid card

Problem : Bank of America ( BOA ) accessed my account without my authorization via a system override to create a pay to account to pay themselves. I noticed this when I received an Email stating : " a pay to account has been set up for account xxxx ... If you did not create this pay to account please contact us. '' I do not use the bill pay system at BOA to pay my credit card. I pay my credit card balance in full ever month ( sometimes twice ). I use the balance transfer process to pay my balance for this credit card. I felt violated that BOA misused my financial information for their benefit - without my authorization. When I contacted BOA to get it addressed I was told that " I created the pay to account. '' To which I advised that I did not, and requested that the representative check the records to validate payment process used to pay the card every month. I further noted that I did receive an Email from BOA to contact them in the event that I did not create this pay to account - and was following the guidance of the Email by contacting them and making them aware of the problem. I requested a supervisor and was given the XXXX XXXX in the XXXX PA office, who agreed - this was a misuse of my financial information for their benefit, and should not have occurred without my authorization. She then warm transferred me to a Online Banking representative ( XXXX, Lastname unknown ) who advised that a " system override '' was used by BOA to authorize them to access my account to create this pay to account on my behalf - confirming this was not done by me - the customer but by BOA. I feel like BOA has taken advantage of my trust in creating a direct route to access my financial resources to pay themselves. The account has never been past due and I have always paid my balance on time and in full. Customers should be aware that this is happening. If they can access your account to set a payment account for themselves, whats to stop them from creating a system override to filter money from your account. This is wrong, it is an unauthorized misuse of my information. They should not have the right to go into my account to make this change. This leads me to believe that my account information is not protected from BOA employees. For the purposes of this complaint the manager in XXXX PA and the online banking representative was very helpful. Please redact their names for publishing purposes so they are not retaliated against by BOA. Their names were provided to benefit the investigation. I did ask for a policy, procedure or other documentation where BOA has notified customers that they can make this type of change, and was advised there was no such documentation. I also asked for a customer inquiry, reference, or other tracking number to document the call today, and was advised that there was no such reference number. ( Which is why the manager in PA provided her name. )
Product: Mortgage

We have submitted documents for a partial release of our property to Mr. Cooper in order to sell a parcel of our land. The documents were sent in XXXX of XXXX and as of XX/XX/XXXX we have not received a response, even after repeated requests for updates. 
XX/XX/XXXX, XXXX received Partial Release documents from Mr. Cooper XX/XX/XXXX, XXXX documents to Mr. Cooper via certified mail XX/XX/XXXX our bankruptcy attorney received an email from the mortgage company 's attorney stating that the sale of the land was contingent on approval from MA HUD and US Bankruptcy Court . 
XX/XX/XXXX, XXXXmortgage company attorney emailed the mortgage company for a status update-no update was given XX/XX/XXXX, XXXXmortgage company attorney let our attorney know the Partial Release request was in the HUD office in XXXX
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX I have not been able to withdraw or transfer funds or crypto out of binance US I am verified with a bank account connected to my Binance US account. I have contacted them thru their ticket submission multiple times. No call number is available. I received emails from XXXX an XXXX that work at binance US day the problem would be fixed or is fixed followed by a email saying they will move my case to a higher department. I am able to deposit funds or crypto into the wallet but I can not withdraws. It has been 3 months my bills are past due an they have done nothing in a speedy manner to fix the critical issue.