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

XXXX XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Early Warning reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a checking account opened at XXXX XXXXXXXX XXXX with the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulentitems. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Debt Buyers are organizations that purchase credit card debt for a negligible amount of cents on the debts face value ( e.g. 1 to 6 cents/ dollar ). Some DBs execute intimidating and coercive legal campaigns in pursuit of debtors who are mostly decent people but due to personal crisis, bad luck, lack of education, improvidence, etc. are in the throes of a financial XXXX  hole. These unsophisticated debtors clearly are unable to afford legal counsel, forced into an indefensible pro XXXX position, and aggressively pursued by rapacious, predatory collection law offices with their unconscionable legal maneuvers to acquire exorbitant profits. 

Specifically in my matter : Initially, I had a conversation concerning my debt situation with the collection agent to advise of my poor financial situation ( no income, no assets ) precipitated by a $ XXXX embezzlement and discuss options ; the response was a cold Well, well just have to see what the judge says. 

Upon receipt of their pre-trial summons, being in that financial XXXX hole, I bothered a dear friend, XXXX, a retired attorney, for his pro bono assistance. He contacted the plaintiffs legal team on my behalf ( with PoA per plaintiff attorneys demand ) and initiated settlement talks. Ref. email thread dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Copy PoA doc During on-going negotiations, I asked XXXX if I still needed to appear at the pre-trial to avoid any default for failure to appear. He responded, NO, they are postponing the pre-trial as we were involved in settlement communications. Ref. email thread XX/XX/XXXX, XX/XX/XXXX Time went by without any plaintiff response, or, in fact, any communication whatsoever. Then, upon receipt of, out of the blue, a copy of notice of appearance as attorney on behalf of plaintiff, dated XX/XX/XXXX, I did some research and discovered that plaintiffs attorneys surreptitiously did not postpone the XX/XX/XXXX pre-trial and, in fact, filed for and received a Default Judgment ( XX/XX/XXXX ) for failure to appear at the supposedly postponed pre-trial. NOTE : To this day, we have not received any notification or communication regarding the plan to file, the filing or date for the Default Judgment hearing. Ref. XXXX of XXXX of Appearance, email thread XX/XX/XXXX Under the superficial appearance of legality, this collection law firm used a sneaky, manipulative, coercive legal strategy that breeches principle and ethics for the sake of disproportionate, Falstaffian profit. At XXXX YoA with no assets nor income other than SS benefits, I am forced to live under the weight of an ill-gotten Court order with no hopes of correcting. This is abuse. This debt collection tactic is unfair, unreasonable and needs to be exposed and investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had an account with XXXXXXXX XXXX XXXX that I had set up autodraft on, but XXXXXXXX XXXX XXXXXXXX, due to their error, did not property process payment causing a late on a {$4.00} balance. They fixed it and refunded late fees. It was and had been fixed with XXXX and XXXX, but TransUnion was still reporting a 30 day late. I disputed this and they still didn't fix it, despite XXXXXXXX XXXX XXXX telling them it wasn't late. 
I disputed again, still not fixed. They have a latter from XXXX 's XXXX  showing NEVER LATE PAID AS AGREED, but refuse to correct it. XXXX, XXXX, and XXXX XXXX XXXX all show NEVER LATE PAID AS AGREED, but TransUnion won't fix their error despite proof, hurting my credit score. The attached letter from XXXX XXXX XXXX was sent to and is in the possession of TransUnion, so they are without excuse
Product: Mortgage

This is my 4th complaint. I have never got a resolution. I have paid over XXXX dollars to Bank of America. My next stop is litigation. 

" I am submitting another complaint because I could not upload all the documents ''. This has been an ongoing nightmare for 18 months. I applied for a mortgage modification because I was in default for XXXX on XX/XX/XXXX. XXXX. It was a payment of XXXX. Bank Of American prolonged this until XX/XX/XXXX, because they wanted to add fees to the account. I sent in document after document for 11 months. I could not pay the XXXX dollars off because they added XXXX dollars to the total amount. When I got the document papers, I was told the trial payment was for almost XXXX instead of the XXXX I was told they added escrow payments. I pay escrow payments to my primary mortgage. I sent document after document to Bank of America. I paid XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told my payment for XXXX was XXXX. Ironically, a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed ) On XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00}, XXXX. They keep adding these " third party expenses '' to my balance. They have added it 3 times. I am begging your agency to help me. I am enclosing my primary mortgage statement to verify I am paying my escrow to XXXX. I am enclosing the documents that BOA sent me. I am enclosing the XXXX payment that BOA claims they cant find my account at XXXX XXXX ATTACHMENTS Image ( 12 ) .jpg ( 418.3 KB ) Image ( 13 ) .jpg ( 373.4 KB )
Product: Credit card or prepaid card

I was auto enrolled, without my consent, into a debt protection program with CitiBank. Asked how long it was on my account and the stated since 2002. At this point I asked for a refund. They stated it would take 30 days to " review '' and would send a letter. After 2 weeks I recieved a letter stating my reques was denied. This prompted me to call back and ask for a supervisor. The supervisor said they could review again, which I asked them to do, and would send me another letter. At this point it felt like a scam since they couldnt review with me on the phone so I asked them to send me proof for my enrollment where I either signed or verbally consented to this protection. This was 2 months ago and have not recieved either a letter of review or proof of enrollment.

They removed feature but have not satisfied my request for a refund or provide proof of my consent to enroll in this program, which I never gave.
Product: Credit reporting or other personal consumer reports

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

I have looked at my credit report concerning a XXXX account I once had. 

There are late payments reporting and I was never late on this account. 

I want these payments to be verified as reporting correctly and if not please remove them now. If they are reporting correctly please provide me the method of verification in writing. 

These are negatively affecting my credit and does not look good for me when I am applying for credit products. 

Please confirm this information and update immediately!
Product: Debt collection

Collection account for {$250.00} balance date XX/XX/2021 Account not mine possibly identity theft Will file identity theft report
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 be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been trying for months to resolve the issue of an inaccurate item on my credit file with XXXX. Each time I have disputed the item, they claim to have verified it with their Public Records provider, Lexis Nexis. Lexis Nexis has consistently claimed that they have deleted the item from their files and have claimed to have taken steps to have the item removed from the files of the three main CRAs. However, even though in the last complaint response regarding my complaint to you about Lexis Nexis, they stated clearly that they were investigating and would contact the CRAs and advise me of their findings, clearly, they have not done so. This is obvious from the attached excerpt from XXXX 's response to my XX/XX/XXXX dispute, which was just posted on this portal, as they apparently have once again confirmed the item to XXXX ( please note the highlighted text ), contrary to what they have claimed to have been doing. I have sent Lexis Nexis several requests to send a clear directive to XXXX to remove the item, but they have not responded to me and obviously have not done so.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX  ( XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS FAILED TO DUE A PROPER INVESTIGATION INTO THIS MATTER AND STILL ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

Scammed searching for a house to rent. 
XX/XX/XXXX I paid {$1500.00} thru XXXX
Product: Credit card

I allowed my XXXX yr old son to use my Home Depot credit card to buy supplies for improving their home. I hadn't used the card in well over 6+ years. Agreement was he had to pay the charges on time. He continued to tell me all was fine. A few years later I woke up to a message saying my credit score went down over XXXX points! When I checked and found out it was the Home Depot card was delinquent so they applied the bad report to my credit report & score. I phoned the company, explained the situation and requested the remove some of the late fees and bounced check fees. Their current statement shows {$660.00} total fees plus {$1500.00} total interest charged in XXXX. They only took off {$69.00}. I paid them over {$5000.00} last month alone but they haven't reduced any more of the delinquent charges so I still owe them {$24.00} in fees and {$120.00} in interest with a balance of {$2400.00} I am paying them {$500.00} per month and have requested they reduce this balance further since I was totally unaware of these charges. They closed that credit card and opened a new one in my name at my current address and moved all the charges to my new account. I am retired and on social security.
Product: Money transfer, virtual currency, or money service

I was notified on XX/XX/2023 that my account was closed, with no reason given. I filed an appeal, and received an immediate response saying the same thing. I have never used my account for illegal purposes.
Product: Mortgage

My mortgage was past due. I contacted Bank of America to obtain a letter showing the cost to reinstate my loan. The reinstatement letter was created on XXXX/XXXX/2015, and was good through XXXX/XXXX/2015. We obtained a cashier 's check for the amount due of $ XXXX to reinstate our loan. This included the attorneys fees, property inspection fees etc. On XXXX/XXXX/2015, we received a letter stating our payment was received and our next payment would be due on XXXX/XXXX/2015. Our XXXX XXXX, 2015 statement showed the amount due of $ XXXX which is our regular monthly payment. It still showed our home was in foreclosure even though we paid the amount required to bring it current. I addressed this concern with Bank of America and was told it was no longer in foreclosure, but they didnt have anything they could send me in writing to confirm this. We paid our XXXX payment, and it was posted on XXXX/XXXX/2015. 
On XXXX XXXX, I receive our XXXX statement, and it includes Title Fees backdated to XXXX/XXXX/2015! These fees were not reflected on the reinstatement letter dated XXXX/XXXX/2015 nor were they reflected on our XXXX statement. They somehow magically appeared on XXXX XXXX, and were backdated to XXXX! I feel this tacking on of fees and then backdating them is fraudulent. If the fees were incurred on XXXX, they why were n't they listed on our reinstatement letter dated XXXX, or our XXXX statement? Who 's to say Bank of America will not add on extraneous fees on a whim and then backdate them in the future? 
I doubt I am the first borrower they have tried doing this to, but I hope to be the last.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that's being disputed in this immediate dispute has been disputed a few times before without the credit reporting agencies taking the proper steps in dismissing / blocking these unauthorized and unknown accounts that's somehow been associated with my name. If these credit reporting agencies can not produce certified physical documentation to substantiate their reporting then they shall delete/ remove and block these account ( XXXX  XXXX XXXX {$3600.00} ), ( XXXX XXXX {$0.00} ) immediately as clearly written within the consumer laws of the FCRA .
Product: Debt collection

I come with clean hands. I am not an enemy or friend of an enemy. Therefore Im trying to civilly resolve this without going to court. 


You cant disagree with laws. 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Let me repeat. On your consumer report, reports containing information solely as to transactions or experiences between the consumer ( XXXX XXXX XXXX and the person making the report ( XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ) Even according to XXXX rules financial accounts need to be certified. This disagreement is hearsay and certified by no one or authority because their investigation is by themselves and no one of authority. Otherwise theyd pursue me in court themselves to get their money but they cant. 

They dont even have the authority to contact me to get the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX bankruptcy and included my XXXX XXXX account and my Wells Fargo Financial account. I disputed the information through all the credit bureaus but XXXX and XXXX reports have not updated.
Product: Credit reporting or other personal consumer reports

I was a victim of a XXXX XXXX XXXXr or so ago. Unfortunately, when they took my money, phone, and wallet, they decided to take my identity. I've been battling with the Credit reporting agencies for months in an attempt for them to block the information from my consumer report.
Product: Credit reporting or other personal consumer reports

I have identified these items on my report that are a result of XXXX XXXX. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.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, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; 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. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % 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. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$360.00}XXXX XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$82.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have a mortgage and i setup automatic payments as a fail safe to not accidentally miss a payment. 

On XX/XX/2022 i setup an online payment of {$1500.00} to pay my XXXX payment. The payment went through on XX/XX/XXXX. 

A few days later i checked my account and my mortgage service, XXXX, had sent a few second payment automatically. One was for {$1500.00} on XX/XX/XXXX, the other for {$1500.00} on XX/XX/XXXX. I had not had the funds available to make said payment. The account went into an overdraft, causing fees of {$35.00}. 

Now my mortgage service is also sending fees of {$20.00} for the returned check. I feel like the issue is a fault in their own system that wasn't setup right, because it should have either caught that a payment was already processed. Or the system should have told me that an automatic payment was in the process of being drafted while i was making a payment. There was no warning.