23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

BECU is unfairly and falsely reporting the same debt/closed account twice. this was just recently disputed and removed by XXXX. Now, BECU has unlawfully reported this again as a new account- for a second time- They changed the account number on a closed account with a balance, I did not open a new acct. an account number change should not take XXXX pts off of my credit again. 

While on my XXXX report this is not currently a problem, on my XXXX report I just had the duplicate removed this past week!!! For the same account, same open date everything. Instead of changing the account reported its being added as a double debt, or new account neither of which is the case. BECU is now FALSELY reporting this duplicate closed account again, and has again been added to my report with severe negative effects on my score and affected my quality of life due to my new low score. This needs to stop- this is a violation of fair debt collection and or fair credit act.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had an issue with fraudulent applications being submitted and subsequently the banking institutions ( some not all ) notified me regarding fraudulent account openings/attempts. This was in XX/XX/XXXX I notified the agencies to place a fraud notice on my file. This happened again in  XX/XX/XXXX
Product: Checking or savings account

I opened a XXXX checking account with Citibank financial on XX/XX/XXXX and made an initial deposit of {$360.00} through an ATM. They allowed me to make a deposit into this same account they say was closed in that same day .However, when I tried to use my debit card and withdraw funds, I was unable to do so. Citibank financial informed me that my account had been closed without any explanation and is under review. They also mentioned that my funds will not be accessible until XXXX. I can still login to my on line banking account. So therefore it cant be closed.
Product: Mortgage

Bank of America offered me a modification on my home loan in XXXX XXXX, I signed the documents and sent them back in before the deadline. My next payment was not due until XXXX/XXXX/XXXX per the paperwork. I was spoke with my relationship ship manager she confirmed the paperwork was received and that as soon as I made my 1st payment on XX/XX/XXXX, they would bring my account current for XX/XX/XXXX and XX/XX/XXXX. That has not happened and Everytime I call Bank of America I get the run around no one knows what 's going on they ca n't seem to find my payments and my bank statement clearly shows the payments made to Bank of America. Also I actually made both my XXXX XXXX, XXXX and XXXX XXXX payment on the phone with Bank of America. They have been miss applying my funds and putting them anywhere except on my mortgage payment. The are not being honest and I not about to loose my home behind there misconceptions. They need to be investigated. This is the 2nd time I have had to file a complaint against Bank of America.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer. 

Inaccuracies : XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXXXXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address ID # XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE REFER TO YOUR CREDIT REPORT XXXX XXXX XXXXXXXX XXXX 
PLEASE REFER TO YOUR CREDIT REPORT XXXX XXXX XXXX XXXX PLEASE REFER TO YOUR CREDIT REPORT
Product: Credit card

I changed the automatic payment on my Target RED credit card last year. I hadn't charged on the card in over a year. I charged {$30.00} on my card in XXXX, XXXX  and since I had automatic payments on my account, I assumed the credit card had been paid. Instead, they did NOT automatically deduct the payment from my checking account and automatically reported me to the credit bureau for non-payment with NO notification at all to me that the credit card balance had not been paid! In addition, they charged me a {$30.00} late fee! When I called them on XX/XX/year> to resolve the issue, they assured me they would reverse the {$30.00} late charge due to their error and that they would process the balance due from my checking account. After this experience, I also asked them to close my account. Low and behold, today ( XX/XX/year> ) I received ANOTHER e-mail from them telling me that my account was past due and I was charged a {$30.00} late charge AGAIN! I called them and they agreed that it was their error that they did not properly process my payment and removed the {$30.00} late charge and " confirmed '' they processed my payment. When I asked if my account was closed, they informed me it was not closed. So AGAIN, I had to request my account to be closed. I also asked them to revoke the credit bureau report as well since this was their error. What kind of credit card company treats their customers in this manner? I have always paid my credit card bills on time and I have a solid credit rating. Terrible. NEVER use TD Bank USA for credit cards ... .they have horrible customer service.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 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 169C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

I reached out to a collections agency attempting to validate a debt and they advised they need to obtain information from the seller and want me to wait for 90 dyas. They currently have the debt and should have all the required information to verify the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Money transfer, virtual currency, or money service

My phone was stolen and the person who stole it was able to get into my cash app account and transfer XXXX XXXX dollars multiple accounts. ASAP I called cash app to report and try to stop the scam from happening but cash app told me they could do nothing.
Product: Mortgage

I was preapproved for a fha mortgage at Primary Residential Mortgage. We went through the approval process providing all information that they asked for, the whole time being told that everything was great and that we could close on our house in as little as 3 weeks. We sold our home intending on downsizing and improving our finances. Through no fault of our own, our previous mortgage holder did not report our house payments to the credit bureaus or correctly apply the payments to our bank statements. That credit union subsequently went under and was taken over by another credit union. The new credit union started to report our payments to the credit bureau on time and with no issues. We only had 8 months of payment history. Under fha guidelines the mortgage company doesn't need a payment history if your credit scores are above 620 which our 's are. We were denied after 45 days and we sold our house, so we were going to be homeless. We talked to another mortgage lender who said there was no way the should've denied us. After working with that lender the denial from the first lender appeared on the fha file and that lender can not ok the mortgage because the first lender reported that the denial was because of unacceptable payment record on previous mortgage even though they only have 8 months of previous payment history that is perfect as reported to the credit bureaus. We applied for the initial mortgage in early XXXX and was denied on XXXX XXXX. I contacted Primary Residential Mortgage several times to get them to correct the denial reason so I can go forward with another fha lender and they refuse and do not care that my family has nowhere to live. Do not ever use Primary Residential Mortgage. They are too big to care about people. They just care above the money.
Product: Bank account or service

My father died on XXXX/XXXX/17 ; he has a checking account at Bank of America. I called BoA for instructions for accessing the account since I am the sole beneficiary/executor. They gave me a list of the documents they needed & gave Estates Dept fax number. I went to the local branch & had then faxed. In follow up calls to BoA Estates Dept, they were unable to find documents faxed. After this happened three times ( local branch faxing/documents not found at Estates Dept ), I threatened with legal action & CFPB complaint. The documents were found, but I was told I needed to fax another document ( which I had specifically asked if they needed twice prior, as my lawyer provided it to me and I had been told by Estates Dept they did n't need it ). A supervisor at BoA Estates Dept became involved at this point and gave me his fax #, telling me that if I have the local BoA branch fax it to him, they can call his direct number ( which he provided ) to confirm receipt and he would have a check for the amount in my deceased father 's account overnighted to me. I did that, but when the local BoA branch called the number the supervisor provided, it went to voicemail. And it continued to go to vm the rest of the day and the next business day. I called BoA Estates Dept and was told that they can only reach out to this supervisor via email to tell him I am trying to reach him. They ca n't call him themselves. They also told me that since this has been " escalated '' to a supervisor level, there is no-one else in the department that can assist me anymore, only this XXXX supervisor. I have so far taken three half-days off of work only to try to resolve this Bank of America account issue. As it sits now, I need to wait for this supervisor ( XXXX XXXX ) to get back to me to confirm receipt of the document he requested to be faxed to him last Friday. I have XXXX confidence that I will ever receive the funds in my deceased father 's checking account.
Product: Credit card or prepaid card

Opened account XX/XX/XXXX paid 1st Bill XX/XX/XXXX for XX/XX/XXXX they recd XX/XX/XXXX per cc. 
XXXX bill paid XX/XX/XXXX for XX/XX/XXXX they recd XX/XX/XXXX per c/s. 
XX/XX/XXXX I called to find out about bill pay electronic pay per customer service they do not offer that. 
Asked for charges to be taken off. Mail may be late from COVID-19 Per conversation. 
Talked to on XXXX XXXX/XXXX/XXXX  XXXX sent request for Comenity Bank to look into I sent Bank information showing the payment was sent in plenty of time. Still have not heard back regarding interest charge. They did send letter regarding late fee they said on the phone 1st call they would be crediting. 
XXXX talked with XXXX/XXXX  XXXX Talked to XXXX at My bank said it went in plenty of time only reason would be COVID-19 maybe held up. Not sure why. 
I deducted interest & late fees & notes it in memo. 
XX/XX/XXXX talked to XXXX/XXXX  supervisor? 
XX/XX/XXXX talked with XXXX/XXXX  tried again to get help no avail. I ALWAYS ALWAYS Pay in full on every credit card. I have tried to explain they want nothing to do with helping me. They will not let me talk to higher ups also when I have asked.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

Description of Complaint : I want to file an unethical and unprofessional harassment complaint against an employee of Nova Home loans. His name is XXXX XXXX and he is a loan officer. 
I was treated rudely and XXXX XXXX would speak to me and lecture me as if I was an ignorant person. He would not speak to my husband that way but because I am a woman, and my personal opinion is he was discriminatory towards me. My last conversation with him via text on XX/XX/23. He was rude, pushy mean and nasty and very unprofessional. I have all the texts to prove his unruly behavior. He needs more training in his field of work especially when dealing with women. There is no excuse for His behavior and I believe it should be brought to his attention with reprimand.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX furnished on my credit reports with XXXX, Transunion, and XXXX that my account with the number XXXX XXXXXXXX was charged off. According to the IRS, when a debt or an account is charged off the account needs to be reported as income by the lender and borrower. If this account is supposed to be recorded as income for tax purposes then by default it is inaccurate to be furnished on my credit reports as these reports do not furnish income. I sent letters to the credit reporting agencies XXXX, XXXX, and Transunion to have these inaccuracies corrected but have not gotten this resolved.
Product: Debt collection

I am writing to bring to your immediate attention a matter of utmost urgency regarding fraudulent entries on my credit report resulting from identity theft. Upon recent review, I have discovered unauthorized accounts and transactions that have negatively impacted my credit history. I am requesting your immediate and aggressive assistance in removing these fraudulent entries promptly. 

Given the severity of this situation, I urgently request an aggressive investigation into this matter and insist on the immediate removal of the fraudulent entries from my credit report. Identity theft poses a significant threat to my financial well-being, and it is imperative that my credit history accurately reflects my true financial standing. 

XXXX XXXXXXXX - FRAUD XXXX PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 

Please provide written confirmation once the investigation is complete, and the necessary corrections have been made to my credit report. If additional information is needed or if there are specific steps I need to follow, please advise me promptly. 

Thank you for your prompt assistance, and I trust that you will take aggressive action to rectify this situation as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are late payments reported by XXXX XXXX XXXX XXXX XXXX  during Covid 19 pandemic.. according to the CARE ACT and The Hero Act Section XXXX creditors and credit reporting agencies are not authorized to report adverse information to consumers credit files during the covid 19 pandemic.. we are still in a pandemic and the days reported late was during the pandemic and therefore is unlawful. I demand XXXX XXXX XXXX & XXXX Remove all adverse information reported during covid 19 pandemic.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX are not an affiliate of XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i bought a XXXX XXXX XXXX in XXXX 2016. They collected first and last payment and the salesman signed me up for automatic debiting from my checking in order to save 0.025 % interest. After accepting this offer, i received a notice of 30 day payment delinquency the next month after i bought this car. XXXX XXXX said the salesmen never submitted my auto debit and was charged a non payment credit hit. I am desperately trying to payoff debt, raise my score back up in order to get purchase my second home but this is stopping my dreams from happening. Please help!!
Product: Debt collection

On XX/XX/2024, I checked my credit report and noticed the collection and was very upset! I tried to get extended credit from other companies and could not because of this negative input on my credit report.
Product: Vehicle loan or lease

I submitted a police report also a ftc report and to all 3 credit bureaus they told me they will submit it to the debt collectors I also submit my self to the debt collectors they completed the dispute and said it will remain on my credit report even after I explained I spoke to XXXX XXXX XXXX but I cant get in contact with westlake which is the other debt collector they refuse to remove it but I cant get anyone on the phone they also sold my debt twice! And gave me other numbers to call because they told me they dont own it anymore! XXXX XXXX XXXX still say they will remain on my credit as well