23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

We have this case XXXX has been going on for over 3 months Summary of events. 
XXXX XXXX, my wife with different last name tried to pay our Bank of America credit card early, in early XXXX a check was generated and sent to the XXXX XXXX XXXX XXXX by Bank of America by someone in bill pay without our knowing or authorization. Even though, on our end and confirmed through bill pay that it was supposed to go to BofA CC. At which point the check was deposited in the wrong/unknown account at bank of P.R. We have spent hours on the phone and in person with Bank of America to get our money back ( {$6100.00} ) Apparently, XXXX XXXX XXXX XXXX is owned by XXXX XXXX so we had to filled out affidavit paperwork for XXXX XXXX for a fraud claim to try and get our money back. So for 3 months we have had BofA supposedly working on this and now we have sent affidavit paperwork sent into XXXX XXXX to try and get a resolution from their end. 
-This was Bank of America checking account bill pay to pay our Bank of America credit card XXXX 
-Our Bill Pay has a confirmation # that says it was supposed to go to Bank of America credit card payment. 
-BofA bank improperly and without your authorization sent those funds to some random account at the XXXX XXXX XXXX XXXX and we have not been able to get the funds returned. 
-Bank of America has said they are working on getting our money back. 
Although this has been going on since XX/XX/XXXX and they have given us no resolution as of yet. 
Bank of America, nor XXXX XXXX ; neither by phone call or message center about the problem with our {$6100.00} still missing from our checking. 
A few things I would like to point out. 
# 1 I do not understand how a claim on our behalf was not filed right away as soon as we reported that our funds were sent out, not to where we had intended on XX/XX/XXXX with the phone conversation with XXXX from Florida. 
# 2 As verified by XXXX XXXX phone at XXXX XXXX desk with XXXX, our payment to the credit card was set up properly. There was NO option of a different address and our payment history verifies exactly how we have paid this bill for years the same way. 
# 3 This is a lot of money and this is now the Holiday season and yet it seems that no one is actually trying to actively return our money.
Product: Credit reporting 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$6700.00} ; ( Original Creditor : XXXX XXXX ). 
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: Debt collection

Continued calls and letters about a debt that is not owed. Notified on a phone call in XXXX that this debt is not owed. Received letter dated XX/XX/14 that I owed debt. Called and notified that this debt is not owed.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX  XXXX I am writing to formally assert my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in various sections of Title 15 of the United States Code. Specifically, I would like to draw attention to the following sections : - 15 USC 1681 SECTION 602, which grants me the right to privacy regarding the information contained in my consumer report.

- 15 USC 1681 SECTION 604a SECTION 2, which stipulates that a consumer reporting agency can not furnish an account without my written instructions.

- Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account as late unless reasonable procedures have been adopted to ensure that each periodic statement is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I want to emphasize that I have never provided written instructions to either of the credit reporting agencies or the above-listed creditors to furnish any information on my consumer report, thus potentially violating 15 USC 1681b . 

Additionally this account has been closed due to the company 's willful negligence in reporting information against my permission and litigation is in process. XXXX, Experian, and XXXX XXXX are now co-conspirators and I will not hesitate to amend my complaint and include them. I have been sending the agencies correspondence for XXXX  months demanding their compliance and now I have had it. These agencies have also not marked this account as being disputed after SEVERAL disputes sent to them. They are willfully negligent in NOT ensuring the information on my consumer report was XXXX  % accurate prior to publishing it WITHOUT my consent! 

The actions of the Credit Reporting Agency in furnishing information without my explicit consent have caused me severe stress and anxiety due to what I perceive to be abusive and unfair practices. 

I request your immediate attention to rectify this situation and ensure compliance with federal laws governing consumer credit reporting. I also urge your agency to take necessary steps to prevent similar violations in the future.
Product: Credit reporting or other personal consumer reports

Attorney general of Texas opened up a duplicate child support case when one was already established in New York State. Me and my childs mother had decided to move together because when the Texas attorney general got involved they made our lives difficult they would hold money and not release it right away we informed them that we did not want anything to do with them and they did not listen so we got in contact with the courts in New York where our case was initially filed and had the case dismissed for months and months the Texas attorney general would report that i owed them giving me the run around they even got to the point to were they would take both of our taxes and wouldnt release them for a long time..so when they finally decide on closing the case they ended up reporting to the credit bureaus that i owed them {$1.00} this having a significant impact on my credit report. This has caused a lot of government jobs to second guess hiring me because of that. 

Im a XXXX  and i already have a hard time as it is to get employment.
Product: Mortgage

Our mortgage was sold to Roundpoint within a month of our closing XX/XX/XXXX. On XXXX XXXX, XXXX we experienced a significant hail/wind/rainstorm overnight which resulted in approx. $ XXXX in damages to our home. After our insurance company had an adjuster do a review, and a contractor did the same, I contacted Roundpoint to discuss the procedures for having the repair check ( which was made out to them as well ) endorsed - I was emailed a document showing the lengthy requirements to fulfill in order to have them endorse and return the check. I was also told to send the check via overnight mail with a delivery confirmation, and to include a pre-paid return overnight envelope, which I did. The check was mailed to Roundpoint on Tuesday XXXX XXXX at XXXX PM and was signed for by XXXX XXXX from Roundpoint at XXXX on Wednesday XXXX XXXX. Roundpoint Mortgage then deposited the check for $ XXXX+ into their banking account on Friday XXXX XXXX. I contacted Roundpoint Customer Service on Monday XXXX XXXX and after 33 minutes on hold was informed that the check was " ... being reviewed for approval and processing. '' On Wednesday XXXX XXXX, after 66 minutes on hold, I was informed by XXXX XXXX that the check had been processed and mailed on Tuesday XXXX XXXX, and that it had been mailed in the prepaid, overnight envelope. I informed XXXX that the USPS was not showing it in tracking - she then informed me that it had gone out late in the day, so may not yet. On Thursday XXXX XXXX, the XXXX software still had no record of this envelope so I placed another call to Roundpoint - spoke with XXXX ( sp? ) and was informed that the envelope had been mailed on Wednesday XXXX XXXX. XXXX was unwilling to discuss the discrepancy and placed me on hold until the call was disconnected by the system. Upon calling back I spoke with XXXX who placed me on hold for XXXX minutes while attempting to put me in touch with XXXX XXXX again. XXXX kept me on the call for over 80 minutes more. She told me that she personally spoke with XXXX XXXX, the Correspondence Supervisor, who told her that the envelope had been delivered to the local postal station, by hand, and had been placed into " ... a bin in front of the counter ... '' at XXXX on Wednesday XXXX XXXX ( the different mail times point to the lies referred to earlier ), and that, at the time of our discussion ( XXXX CST ) " ... the post office must not have checked it in yet. '' 2 hours later, XXXX CST, there is still no evidence of this document having reached the USPS facility as stated. 
It is my belief that Roundpoint Mortgage is deliberately delaying the disbursement of these funds in order to utilize the $ XXXX+ for financial gain, and every day that we are without these funds we are delaying necessary repairs to our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

My parents took out a reverse mortgage in XXXX. My father passed away in XXXX and my mother in XXXX of XXXX. As the executor of the estate, I have been working with the servicing agent of the note holder to settle the outstanding debt on the house. I have provided all documents asked for by the servicing agent CELINK, address, by the required due dates. However, CELINK has failed to respond in writing ( except by email ) or in good faith. They have stalled and continually changed the requirements to proceed. CELINK initiated a foreclosure process in XXXX when we were trying to negotiate a sale. Through this whole process CELINK has stalled and continued to raise the price of the house. We followed every step as outlined in their paperwork. CELINK has not reciprocated. 

We would like CELINK to produce the original note of the loan and stick to the agreed price of 95 % of the appraised value, which they have not shared. Their last counter was {$100000.00} more than the value of the reverse mortgage loan.
Product: Debt collection

Advanced Collection Bureau suddenly appeared on my credit report around XX/XX/XXXX for almost {$5000.00} collection because my ex girlfriend apparently passed away. Now they are saying I owe for her rent. I actually never received anything in the mail from them, just what is on my report. I haven't live with my ex since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXXXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting

I have been disputing incorrect information on my transunion credit report for some time now. There is incorrect information on my credit report and I just keep receivng a response within 2 weeks that the information is reporting correctly. This is completely wrong. My credit score is very low due to all these wrong accounts reporting incorrectly. I have 2 public records reporting this is wrong. I have settled this wrong information with the creditor and it was corrected and removed from another credit reporting agency so this informaiton was verified and corrected why transunion did not receive the right information and delete it as they were suppose to do is beyond me probably because they did not do a proper investigation or it would have been corrected. I DID NOT have 2 tax liens. They were removed from XXXX and XXXX so it should be removed from transunion. Another account is XXXX acct # XXXX reporting for {$860.00} charge off collection. This informaiton is wrong as well as I did not have a charge off in this amount with this bank. Another account is XXXX motor fianance reporting as open in the amount of {$4900.00}. This debt was PAID in full. I have been calling transunion to dispute this information and just keep receiving responses that the information has been verified. I have submitted substantial documentation to transunion and upon verifing they received it they tell me they did not receive it. Transunion is a horrible credit reporting agency as they do not fix wrong information which in turn is affecting my score and affecting me in obtatining substantial credit. I am being denied credit due to the wrong information reporting that should be deleted.
Product: Debt collection

I keep my credit scores on very close watch and was notified my scores fell below XXXX this morning because of a collection. I have XXXX collections on my reports. I pay all my bills and keep my credit very clean because it is the lifeline to owning things in life. I have documentation from my doctor office showing my balance is XXXX and this company is reporting false information in direct violation of the very laws that are supposed to protect me listed in the FCRA. I have asked this company to immediately remove these items and also requested no further contact XXXX Please help me get this company to remove this false information from my report and discontinue calling my home
Product: Credit reporting or other personal consumer reports

The loan from Fedloan Servicing is showing open and it should be closed. The account was closed in XXXXXXXX XXXX XXXX. I have tried to get this information updated the company has yet to report the correct information.
Product: Credit card or prepaid card

I paid off a XXXX credit card balance with Continental Finace. Then on XX/XX/XXXX, I noticed a {$96.00} fee. I called them on XX/XX/XXXX and paid it in full again and told them to close the account. Then, when I got my statement, I realized that the charge was for an annual fee beginning after I closed the account for the following year. I called and spoke to a rep on XX/XX/XXXX and he said it was a mistake for them to take the payment from me and it was already in the works to be processed back to me. I then called on XX/XX/XXXX to follow and the rep told me that she was very sorry it hadn't been taken care of and that a refund would be issued to my account within 72 hours. When that didn't happen, I called again and they said they didn't know why anyone would tell me that and that it takes 30 days to process and refund and I should have it no later than XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XX/XX/year>, XX/XX/year> and XXXX XXXX to be removed. 

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

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


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I looked on my credit report and saw an auto loan and a XXXX  XXXX account that isnt mine. 
This auto loan company is in Texas and I have never lived in Texas in my life. My father stays in Texas and we have the same name. 
And I can send my drivers license to confirm my address
Product: Credit reporting or other personal consumer reports

I would love for these inquiries to be deleted from my credit report because I did not authorized these companies to run my credit I am a victim of identity theft. 


XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had credit card with Capital one. I authorized them to take a $ XXXX from my checking account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) towards my balance and minimum payment. I paid off my credit card and closed the account in XXXX. Shortly after i noticed capital one deduction still active and deducting $ XXXX. I contacted them and ask to stop the deduction as i dont owe anything and credit my checking. After a year, they denied taaking any money and asked XXXX to contact them and send them detail statement of these deduction. XXXX  fax the necessary documents to them but they continued with the deduction. I was forced to close my account to stop the deduction. Total of {$1500.00} was deducted. Capital one send me a letter saying they tried to credit my checking account but were unsuccessful because the account was closed. Once again XXXX send the information about the new account number. I have not received any credit from Capital one and they are telling me they closed the cased. I decided to further investigate my accounts. I requested statement from XXXX to the closing date from capital one and XXXX. I found out the $ XXXX was not applied to my credit card beside couple of months. Over {$1300.00} deduction was never applied to my payment that they Capital One had taken from my checking account. furthermore this had cause a lot of late charges and finance charges on my credt card. I had XXXX fax the detail documents to Capital One and undortunately still no resolution. They owe over {$2500.00} in cash for withdraws from my checking as well as finance charges and interest charges.