23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Multiple accounts were opened with BB & T Bank on or around XX/XX/XXXX. When I checked my credit score at some point in XXXX I disputed the accounts, among multiple other accounts with different banks, as they were a result of identity theft. I contacted all three credit reporting agencies. I am currently unaware of my credit reports other than with XXXX, but I intend to get the other reports soon to make sure they are accurate. 

I contacted the banks involved to notify them of the fraudulent accounts. XXXX has since removed all fraudulent accounts from my past open and closed accounts on my credit report. BB & T is still reporting derogatory remarks and will not accept my dispute for one of the accounts (  {$4400.00} ) .The other account ( {$500.00} as of XX/XX/XXXX ) has been recognized as identity theft, as it is not on my XXXX credit report anymore. They have denied my identity theft claim for the existing account at least 3 times. 

I submitted an identity theft affidavit to BB & T on XX/XX/XXXX. The first time they denied my claim, they requested proof of residency from XXXX on XX/XX/XXXX. I provided that on XX/XX/XXXX via email. After waiting for a response and checking to see if it was removed from my credit report, I called and they told me that they had never received it, I sent it again on XX/XX/XXXX. Once I sent it again and waited for a response, they told me that the identification card that I sent them needed to reflect my current address. I sent them an updated copy of my ID within a few days of going to the BMV to get a new one on XX/XX/XXXX. I called on XX/XX/XXXX to see what the status of my case was and they informed me over the phone that the signature they had on their documents matches the one they can see on my ID I'm assuming. 

I feel as if they find a new reason to deny my claim every time and they are illegitimate, as I have provided everything they have asked for. I also submitted a complaint to the company on XX/XX/XXXX for the terrible time I have had dealing with them and their staff. The person working on my case was out on medical leave for months and my information sat on her desk, while I received derogatory credit reporting. I was informed that I would receive a response for my complaint in 15 business days. I have never heard anything back. 

I also received a debt collection notice ( XXXX XXXX XXXX ) on XX/XX/XXXX with regard to an account with BB & T for XXXX. I believe the identity theft could be a result of a data breach with a local government on XX/XX/XXXX. I have also had a tax return filed in my name ( eventually received my return ) and had a phone bill opened up in my name that went to collections ( since resolved with XXXX ). I have filed two police reports on this matter.
Product: Credit card

XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX Consumer Financial Protection Bureau Dear CFPB, I am writing to formally file a complaint against Bank of America regarding information reported on my credit history. I have been a loyal customer of Bank of America since XXXX, maintaining various accounts, including savings accounts and credit cards. Throughout my long-standing credit history, I have never missed a payment. 

In XX/XX/XXXX, I moved from Maryland to Virginia to open a business. In XX/XX/XXXX, I checked my credit & saw a late report. This was the first notification received stating it was already on my credit report. I was not made aware of prior to the late payment being reported. They enrolled me in paperless billing without notifying me of any form of communication about a payment being due let alone overdue. 

I have disputed this negative mark with the credit bureaus ; however, my requests have been denied. Bank of America has been unable to provide any proof that they sent notifications about the overdue payment. This late payment has significantly impacted my XXXX XXXX, and I believe it is unjust, considering the lack of proper notification from the bank. Had I received an email notice that would have sufficed. 
According to the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws, banks and financial institutions are legally required to notify customers of payments that are due, especially if the customer is enrolled in paperless billing. Bank of America has been unable to provide any proof that they sent notifications regarding my overdue payment, which raises concerns about their compliance with these legal obligations. 

I kindly request your assistance in investigating this matter and helping me remove this information from my credit record. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I have disputed these 7 DEPTEDXXXX accounts on XX/XX/XXXX and XX/XX/XXXX to each of the bureaus, they all are reporting different account statuses, opening date, months of terms, payment status, last reported date, and last date active for each of the accounts. I have called as well ands still have not had my issue resolved.
Product: Money transfer, virtual currency, or money service

XX/XX/year> account got banned for gambling when I dont do that I want my money returned and refunded.
Product: Debt collection

Hello, My Name Is XXXX XXXX. I Am Trying To Clean Up My Credit. Ive A Collections Notice On My Credit Report From Emergency Physicians Of MI, Who Bought The Account From Midwest Recovery Systems For {$510.00}. 
I Called The Company Requesting For The Original Document and Was Told They Are Not Allowed Too Give It Or Mail Any Information. 

I Have No Knowledge Of This Account and Im Asking You To Remove It From My Credit! Thank You! XXXX
Product: Credit reporting or other personal consumer reports

Experian has not given me an updated credit report and score for XXXX XXXX. Also, I paid for a subscription, and they still did not update my account or show me the current report and score. 

I called them XXXX times and was on the phone with a rep for XXXX XXXX each time, they were not able to update my account saying it's a glitch. even on my other apps the credit report comes back over XXXX XXXX XXXX 

I have been turned down magnitude off times because Experian has not been able to show a credit report or score for me in over XXXX XXXX  please update my report and score and fix my Experian account please.
Product: Debt collection

I am submitting this CFPB complaint to request the removal of account XXXX XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00} that is erroneously and fraudulently reporting on my Credit File. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account XXXX XXXX XXXX XXXX was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX XXXX I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}
Product: Credit card

I recently set up an account with TD Bank Card Services to finance the purchase of a lawn mower and was provided a XXXX credit card with a 48 month interest free period through them. The account was applied for on XX/XX/23 and I received my first correspondence from TD Bank on XX/XX/23 at which point I promptly set up my online account and automatic payments. The first bill due date was XX/XX/23. 

I noticed that auto pay pays the bill on the due date and I reached out to TD Bank customer service expressing concerns about any potential glitches on their system whereby the ACH payment would not process thus making my bill late and was reassured by the representative at that time, in an almost laughing tone that I did not need to be concerned about that happening. 

On XX/XX/23, wanting to be clear as I was still unconvinced by this call, I made a payment of {$300.00} which was marked as posted and credited to my TD Bank account on XX/XX/23. I again reached out to customer service because while TD Bank was crediting me for the payment and marking it as posted no money had been pulled from my bank account and my bank had no record of incoming ACH transactions from TD Bank. The rep again reassured me that everything was fine and that it could take up to 4 business days ( it had been 5 at this point ) Wanting to make sure I was in the clear I made an additional payment of {$150.00} ( the minimum was {$140.00} ) on XX/XX/23, on top of that my auto pay was also credited so at this time TD Bank had credited me with XXXX payments on the account ( {$300.00}, {$150.00} and another {$150.00} ) none of which were pulled from my bank account. 

In all I have made about 10 phone calls and sent 3 messages to TD Bank about this matter and gotten know where. On XX/XX/23 the payment of {$300.00} was reapplied to the TD Bank account and I was assessed a return check fee of {$25.00}. The other 2 payments have not yet bounced back, but in talking to the rep on XX/XX/23 they verified with me that the account and routing numbers I provided matched that of the numbers on my XXXX XXXX  XXXX  and reps from XXXX XXXX  confirmed that the numbers on the checkbook are valid. Additionally I use those same numbers to pay XXXX other credit card company which process my payments with no issue. 

After the rep had confirmed the numbers for me, I logged into my XXXX XXXX  account got another XXXX  based routing number from my account and set up a new payment, this time for {$450.00}. After submitting that payment it again never posted and this time was never credited so I canceled the payment and submitted another payment of {$450.00} on XX/XX/23. 

I have made way more attempts at resolving this and given this way more effort that TD Bank and it almost feels like their payment issues and continued reassurances are intentional to disqualify me from the interest free promotion.
Product: Credit card or prepaid card

XXXX - received an unsolicited card from Netspend - XXXX XXXX XXXX- XXXX, TX XXXX. I tried to call the company ( XXXX ) but the automated system hung up on me. I do not know how they received my name / address and I am concerned with Identity Theft. I wish to report this as an unsolicited communique.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute stating that they are reporting inaccurate and unknown information on my credit report. To this day they still have not removed it and I am attaching proof that it is totally inaccurate reporting. I am furious this is still on my credit report. I also have been seeing big lawsuits against these guys which is a big concern and I am ready to file for litigation if they do not remove after this. They are violating multiple laws and I never heard of half of these accounts they are reporting nor gave them permission to put it on my report. 

I have pretty familiar with Fair Credit Reporting Act and consumer law and will list the violations. 

These are the accounts that still must be removed. 

1. XXXX  XXXX Acct # : XXXX This account is not mine and it has different information across the bureaus and I am attaching proof. 

2. XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached XXXX. XXXX Acct # : XXXX Never even heard of this company and they are all reporting different information and it must be removed. Proof attached 4. XXXX XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached THESE ARE THE LAWS THEY ARE VIOLATING 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. 

I understand they are in a lot of heat right now and all I am asking is that they finally remove these unlawful accounts reporting so I can acquire credit as this is hindering me. I am filing with CFPB to document all of this if I have to file for litigation.
Product: Mortgage

Wells Fargo sent me a letter stating my escrow account has a shortage of {$680.00}. my payment now is {$800.00}. If I pay the shortage the new payment will be XXXX, a {$49.00} difference. If I do n't pay it, my payment will be {$910.00}. An increase of {$100.00}. this is not the first time this has happened. The same thing happened the second year after we bought the house. I have bought a house before this one and never had a problem like this. There was never more than a {$25.00} difference each year. I just feel that Wells Fargo is XXXX me around.
Product: Mortgage

Flagstar knew the amount of our taxes due to the adjustment we received the first year of our home. They said we missed payments which is not true and they sent a letter stating we were short on the escrow. The letter stated we owed almost XXXX. Flagstar raised are mortgage twice and the last was at almost XXXX and when i spoke with them due to the concern of it not being applied to the escrow. They were applying our payments to the apr and not the escrow amount. We were threatened with default on several occassisons and forced to do a loan modification. They have not sent any error letters on thier behalf, no apology and no refund. We had a VA mortgage and they caused us to go delinquent and have charge offs on our credit due to having paid almost XXXX for about 7 months. I have documentation and proof of the document I requested from our county the amount due was only {$1700.00}. They have caused us financial ruin and took advantage of us being newly retired from the XXXX. This shouldn't happen to anyone and i will be following up with the documents to the VA. We have a XXXX XXXX XXXX and spoke with the military personal financial management and are considering seeking an attorney. We payed over XXXX and still had to do a modification. We were forced.Not only were we forced to pay almost {$4000.00} but also {$2800.00}. All the documents you will find enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Consumer Reports and noticed that I had SEVERAL late payments on an account that has not been updated accurately. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. The late payments and past due balance reported of {$63000.00} for the account : XXXX : ACCOUNT # XXXX are not accurate. Please investigate and provide Proof with statements showing that these payments were late all late. This account is paid up and is not behind in payments. If proof can't be provided I request these payments to be updated as paid on time since the account is current. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Due to their inaccurate reporting, my credit report has suffered.
Product: Student loan

My payments are {$510.00} a month and I have called several times to ask for lower payments or for them to work with me in anyway. They told me point blank, they do n't care about customer service, they would rather I take my loan elsewhere and they lose out on money than to help me with making my payments. I had no idea that when my loan went into repayment that I had been locked into a monthly payment of {$500.00} to pay it off in 120 months. They did not explain that to me until after the fact when my monthly payment increased and when I called to ask they said that 's what you signed up for, the best we can do is offer forbearance for three months with interest still accruing. More people need to know how awful Sallie Mae is with their policies and their customer service. They simply do n't care about the customer at all.
Product: Credit card

A company was conducting business fraudulently and I submitted a fraud claim on the card for the total amount of {$14000.00} which occurred between the months of XX/XX/year> - XX/XX/year>. These are the dates and amounts of the charges on my card XX/XX/year> - {$690.00} ; XX/XX/year> - {$2100.00} ; XX/XX/year> - {$2100.00} ; XX/XX/year> - {$240.00} ; XX/XX/year> - {$240.00} ; XX/XX/year> - {$2100.00} ; XX/XX/year> - XXXX ; XX/XX/year> - {$1400.00} ; XX/XX/year> - {$590.00} ; XX/XX/year> - $ XXXXWhen looking at my credit card statement you can see that the charges were made by 2 different merchant accounts that are also fraudulent and I did not authorize those accounts to charge my card. I am not satisfied with your responses that you gave me denying my original claims as you are not taking into consideration that this was an act of fraud and I am the victim.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Consumer Loan

this is spotloan which is another predatory type loan sucks you in and cost way more then it should. I have already pay to date XXXX and still have at least XXXX payments leave. it sounds good at first because it is a low amount they take out every two weeks but it is not a good loan. can not pay back at one time so that is where they hurt you on the loan. they charge for there loans 450 % of loan with payments XXXX over lenth of time. can they do that. i now know better on these loans but at the time did not know and needed the money due to finance issues.
Product: Credit reporting or other personal consumer reports

It has been going on sice XXXX  I have requested transunion XXXX and XXXX to help me none want to really help they say investigating issue never get to the issue and then they state its been verified with out any remarks or anything not even a written response I am run down already please help me XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquirires that I did not request for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable response and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have been unable to get my credit report " On Line '' from Experian for several years. I receive the following error message when trying to get my report : " A condition exists that prevents Experian from being able to accept your request at this time ''. I have no way of contacting them to resolve this issue. I even created an account with them ( which they force you to do if you want to try to get a credit report directly from their web site instead of going thru XXXX, which may be the reason they deny me access to my report, to get me to register on their website '', and they still refuse to give me my report, and once you create an account with them they bombard you with spam and wont allow you to opt out of the spam. I just want to be able to go on line to XXXX and get my credit reports just like i do with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. incorrect historical data listed below : Incorrect DOB - XX/XX/1985 Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX EMPLOYER - XXXX XXXX EMPLOYER - XXXX XXXX XXXX
Product: Debt collection

This is from Experian Credit Report I talk to them yesterday trying to resolve the matter and they told me to contact XXXX XXXX to get the collection of my report but as of today they just added a new amount XXXX to the first amount that was sitting in the account since XXXX was {$660.00} I ask XXXX could they investigate for me? I havent heard anything back, but this is my confirmation number from XXXX XXXXXXXX this is affecting my process to move so I paid towards the bill trying to pay off the credit debt and I paid {$170.00} yesterday and it went down to {$450.00} but experian added {$510.00} I understand the fees, but Ive been paying on the fees and I asked yall to step in because the price is constantly keep changing it's under dispute, but nobody has gotten back to me
Product: Debt collection

This debt has been sold to multiple collection companies. Neither the creditor nor the collection agency has sent validation proof. I dispute this debt in its entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the beginning of XX/XX/2018 there has been a significant drop in my credit score by all three agencies. All my debts are paid off or current. I have no collections and trying purchase a home. I went from having XXXX with XXXX to XXXX, transunion drop 30 in 2 weeks and same with XXXX. I do believe that i am being unfairly targeted.