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

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency. It remains unresolved. Request immediate investigation upon removal of this item, as it is and incorrect and doesnt reflect my true credit history
Product: Checking or savings account

I went to 4 bank of americas XXXX would not pick it the phone. Looking for account number checks deposited in 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 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, 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. 
In XXXX on 2022 XXXX XXXX  reported to XXXX, XXXX AND EXPERIAN that I was over 120 days late on my mortgage payments, how is that possible when the account was showing Pays/Paid as agreed in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of 2022 and XXXX, XXXX of 2022. These inaccuracies have cause me to discriminated against for credit worthiness. 
I NEVER gave You, XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX XXXX  has caused severe stress and anxiety due to the abusive and unfair practices. 
You, XXXX XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! The account are listed with late or missed payments and that is incorrect. The account were NEVER late and should be listed as PAYS or PAID AS AGREED.
Product: Credit reporting, credit repair services, or other personal consumer reports

information appears delinquent when paid in full, account is old, and should be removed
Product: Debt collection

Collection company is reporting an incorrect " date opened '' of the initial debt, which is in violation of the FCRA 623 ( a ) ( 5 ) ( A ). The first collection attempt from the ambulance company was XXXX XXXX. It was then transferred to an initial collection agency in XXXX, and has been reported incorrectly ever since. I have notified the associated collection agencies numerous times via direct complaint from my credit reports.
Not to mention the fact that I submitted a dispute and the collection agency took over 30 days to respond.
Product: Mortgage

Countrywide Bank dba Bank of America has engaged in breach of contract and is attempting to defraud me and my domestic partner XXXX XXXX of our home by means of a false and deceptive Deed of Trust. 

In XXXX, we applied for a {$200000.00} loan from Countrywide Bank in the form of a HELOC. The {$200000.00} loan was secured by a Deed of Trust. In XXXX, Countrywide Bank dba Bank of America froze the HELOC and has refused to reinstate it, thereby breaching the contract. We have stopped paying on the HELOC and Countrywide Bank dba Bank of America is now threatening to foreclose. 

The Deed of Trust secures a {$200000.00} loan, which Countrywide Bank dba Bank of America has failed to deliver, thereby failing to fulfill its contractual obligations. Furthermore, the Deed of Trust is null and void because it fails to name a lawful beneficiary and falsely and deceptively names MERS as the beneficiary. 

We have rescinded the Deed of Trust and hereby request that the CFPB ask Countrywide Bank dba Bank of America to cease and desist from foreclosure-related activity. The following documents are enclosed : a ) Demand to Cease and Desist ; b ) Rescission of Deed of Trust ; c ) Notice of Rescission of Deed of Trust. To minimize paperwork, pages from the Deed of Trust are not included with this complaint. 

Sincerely, XXXX, WA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : XXXX Tel : XXXX XX/XX/2024 I request that you update my personal information on my credit report so its accurate. 

Please update the following : My primary mailing address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX My primary phone number - ( XXXX ) XXXX My primary email - XXXX My current employer - XXXX XXXX XXXX Position - XXXX Thank you XXXX XXXX
Product: Debt collection

Rash Curtis & Associates are trying to collect a debt thats is not mines and have been paid off. My credit score dropped because of this non sense. Please I need help resolving this issue. Thank you.
Product: Mortgage

I was comparing mortgage loan opportunities for refinancing our FHA mortgage loan and Amerisave required of me a {$500.00} deposit for an interest rate lock and when I determined a competitor offered us a better business agreement Amerisave refused to refund the {$500.00} deposit. I am informed that such a fee is illegal and that Amerisave has settled a suit in the past for such illicit fee requirement practices.
Product: Credit card or prepaid card

I have a credit card issed from JCP Mastercard. It started as a store card then they gave me a JCP credit card. I have been a member since 2015 never missed a payment. They increased my credit limit. Now because of COVID-19 money is even tighter. I still have not missed a payment. I called, Monday XX/XX/XXXX at XXXX pm, to see if they could work with me and give me a lower interest rate. Their intrest rate is 25.99 % I asked if they could lower it. They said no. I asked is their anything they can do for me. They said defer payment for one month. I asked if I would be charged interest that month. Yes, I will still be charged interest. I said is their anything they can do to help their customers hurting financially from COVID-19. Defer payment one month, that is all. I wanted to file a complaint. He said I could file a complaint but there was no one to turn in it to it would just be kept on their file. 
Under the circumstances of everyone hurting with less or no work I feel like their should be more options to help customers not default on payment. I feel like they are taking advantage of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX  credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President
Donald Trump on XX/XX/2020.
Product: Consumer Loan

This issue involves a company called www.billmelater.com I was alerted last year that someone had taken out a line of credit in my name with billmelater in 2012 and had run up a bill of about {$400.00}. I was told to fax a FTC Affidavit to XXXX and I did that and I was given the name of a XXXX XXXX at XXXX XXXX to call but I have never been able to get her on the phone. I would like this issue resolved.
Product: Debt collection

I received a entry and judgement for a debit in the mail XX/XX/XXXX and i spoke with a gentleman and explain that this was not my debit and i was unaware of this action and i feel i shouldnt be held accountable for for this debit
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX - {$2000.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding/ XXXX XXXX #XXXX is reporting a collection to my account that is in error. This collection was paid off over a year ago and is still reporting a balance, it is negatively effecting my scores and it should not have a balance reporting. I would like it removed immediately.
Product: Credit card or prepaid card

On XX/XX/2019 I applied for a Lowe 's Credit card which is issued by Synchrony Bank. I applied through my mobile phone while in the store. I received a message that I needed to contact Synchrony Bank and was provided a phone number. I called as was ask a few questions which were mainly identifying questions and was told that they would mail me out a reply within the next few days. 

I received a letter dated XX/XX/2019, which stated that they had " checked credit bureau information and other data sources to verify information on your application. We checked the following items of information : Social security number Phone Address Unfortunately, based on results of these checks, we are unable to confirm your identity with enough confidence to approve your application at this time. '' The letter suggested I contact XXXX since that was the agency they used. I went to the XXXX website and pulled my credit report. I then called XXXX. After going through the identification process with XXXX, which they were able to confidently identify me, I asked them if they could see anything on my report that would give a lender a reason to not be able to properly identify me. They said they did not and that I should contact the lender. I called Synchrony Bank and the first person could not even see in their system a reason for the decline. I asked for a supervisor who would not even look up my application just stated the same thing as the letter. 

I questioned the supervisor how they knew enough from the application and their research that I was the applicant if they could not confirm my identity. She stated that they were able to get enough information to know it was me, but not enough to " confirm my identity for approval of the application ''. This made no sense to me. She would not tell me anything more. 

When I called bank the only way they could find me in the system was through my name, address and last four digits of my social security number, which match identically to what is on my credit report. They had sent me a letter to the address on the application which I had received which means the address was correct. My name and social security number matched what I provided because they were able to pull a credit report. 

So I now have a credit inquiry on my credit report from an institution who said they were not able to verify my identity. If that is the case I think they should remove the inquiry since they can not prove that was who applied. If they could verify that I was the applicant then what was the real reason I was declined?
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against Experian XXXX for violating my rights listed in Fair Debt Collection Practices Act, 15 USC 1692g. I received a letter from XXXX  on XX/XX/2018 that was dated for XX/XX/2018 regarding a debt with XXXX XXXX XXXX XXXX. I sent a dispute in response to this letter to XXXX XXXX ; via certified mail, on XX/XX/2018. The letter was received and signed for on XX/XX/2018, by a XXXX XXXX. In my letter I disputed the debt, requested validation of the debt from their company, based on my rights, in reference to the Fair Debt Collection Practices Act, 15 USC 1692g. 
The debt is still showing on all three credit reports, and they have also stated the debt is valid in a dispute I made with Experian on XX/XX/2018 ; which was opened on XX/XX/2018 by Experian, after sending the request for validation. I sent all correspondence between XXXX, XXXX and I to Experian, regarding this debt. I also explained in my dispute that I had not received any documentation regarding this debt from XXXX XXXX XXXX, that the debt should be removed from my report based on the Fair Debt Collection Practices Act. 
To my dismay I was notified on XX/XX/2018 I received notice from Experian that my dispute had been processed ; however, there was no change. I then called and spoke Experian regarding this dispute ; the girl who answered told me that XXXX said it was valid so there was nothing she could do. 
My original intent was to file only a complaint with XXXX, but then I was informed Experian had violated my rights as well. It is for this reason I am filing a separate complaint against Experian.
Product: Checking or savings account

I have not received my Direct Deposit and it has been over 3 days going on 4.
Product: Credit card

About XXXX XXXX my XXXX XXXX XXXX XXXX  was stolen and was used for over {$8000.00}. Few days later the automatic service from double cash called me informing me that they see suspicious purchases. The same day I called customer service and reported that the purchases weren't mine and that they should close the card and send me another one.The representative didn't close it. Weeks later I noticed a lot of purchases on my statement. Again, I called back double cash credit card to inform them that the purchases weren't mine. I also called XXXX and reported the stolen items on my credit card statement. The thief was arrested and charged for credit card fraud. He plead guilty. Over and over a again, I reported that to the credit card company. I constantly call them about my case, and they told me that my case is under investigation. That is whenever I do get someone. Sometimes they transfered me to all these different numbers, and no one answered. Sometime I would be on the phone for avery a long time holding on, but no one answered, or the machine cut me off. Now they messed up my credit by sending me to collection. About XXXX or XXXX I spoke with a customer service from the credit card company. I told customer service that the auto pay is taking money from my checking account, even though, my card is on dispute. The representative took off the auto pay for me. Now they put my credit card into collection and mess up my credit. Furthermore, all the money that the auto pay took from my account for over a year should be refund back to me. It is over a year now, and up to this date my credit card account has not been resolve. As a matter of fact, I have not used XXXX XXXX XXXX XXXX, since early XX/XX/year> because of the fraud on my account. Please look into this matter for me. Thanks.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX ok financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act, the following accounts has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 states I have the right to privacy. 

15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

Have tried to have phone number removed even blocked numbers to not receive calls concerning interest rates. Received call this morning XXXX/XXXX/17 concerning reducing my credit card interest rate ; did not identify what card company. Requested to again speak with Representative. Explained that I had requested to be put on a no call list to not receive calls and wanted to know why I was receiving this call. Representative said something I could not understand ( due to XXXX accent ) so I ask him to repeat ; he stated '' Because a friend had told him I gave XXXX XXXX XXXX '' ; I told him where he could go. Hung up! Hit call backl and called the number XXXX and it went to Capital One Customer Service. I requested a supervisor who said they do not make these kind of calls concerning reducing interest rates. This call came in to me around XXXX XXXX lasted 4 min. This is also the number on my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ).

( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I purchased a vehicle from XXXX  XXXX, financed by American Credit Acceptance. I was told total would be XXXX including taxes and fees. I have paid around 32 payments equaling closer to {$16000.00} and I am being told I STILL owe over {$18000.00} the car is still in my possession but it seems I was setup for failure.
Product: Checking or savings account

XX/XX/XXXX - my employer XXXX XXXX issued me a check for my first paycheck with an amount of {>= $1,000,000}. Check number : XXXX. The check was issued from the company 'XXXX XXXX XXXX XXXXXXXX corporate account. 
XX/XX/XXXX - upon receipt of the check, I noticed that my old bank account does not have a branch in the region I live in now, so I opened up a checking and a savings account with Chase Bank. and I brought the check to XXXX 's branch in XXXX, XXXX  to deposit the check. They took my check and said I need to wait until XX/XX/XXXX for the check to be cleared. And I then left the branch. 
XX/XX/XXXX - I got a call from XXXX saying that there's a fraud alert put on my account, and they have to limit my mobile app access. They said they need to contact the issuer of this check to verify that this check is real. But they could not verify this check with XXXX because XXXX wouldn't give my information to a third party. They furthered said that there's nothing I could do until the check is cleared. I hung up the call. 
XX/XX/XXXX - My employer said my check has been deposited. So I called XXXX again to lift the fraud alert. XXXX said they still need to verify this check with the maker of the check, which is my employer XXXX. With multiple attempts, they could not reach the number listed on the check or the number registered with them in the system. They also wouldn't contact my payroll team directly and said it wouldn't work if the payroll team tries to contact them either. I was then told by my payroll team that I should ask XXXX to contact XXXX 's number on the public record and get transferred to the payroll team. However, XXXX wouldn't do that either because the public record number is not registered with them. I was told that there's nothing I can do except for passively seeing my salary ( {$45000.00} ) to be moved to suspense, and having my account cancelled. XXXX also told me that if the amount could not be verified, after two years this amount would be forfeited by the state of Washington. The payroll team is also confused because from their end, they have already seen the check being deposited. 

This is a very desperate situation, and I can really use some help here.
Product: Bank account or service

My wife and I closed XXXX accounts Today and the bank now shows us overdrawn on XXXX of those by a total of XXXX cents. I am sure this is a deliberate attempt to defraud us of fees due to us ending our accounts, plus us complaining about being left to sit in the lobby for a hour as they cut the checks.
Product: Debt collection

I pulled out my credit report because I 'm trying to purchase a car, and was told that I had a collection from : I C System Acct # XXXX ( XXXX XXXX XXXX XXXX ). I have no idea what this is, and I never opened any accounts with them.
Product: Credit reporting or other personal consumer reports

I request the immediate removal and blocking of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unfamiliar with their source. Per XXXX XXXX, I formally ask for their removal within XXXX  days. Attached are supporting documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian, XXXX and XXXX Credit Bureaus are reporting inaccurate information in the following accounts and inquiries. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
INACCURATE ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX