23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have had a Bank of America Mastercard for 20 plus years. On XX/XX/XXXX I called in to dispute a charge and close the account. Instead of closing the account they sent out a new card that I didn't authorize. 

On XX/XX/XXXX I received a letter saying that the disputed charges were credited to my account. I never received a closing statement or any additional bills. 

Then apparently they allowed some additional charges after XX/XX/XXXX even though I had closed the account. 

On XX/XX/XXXX I checked my online account to see what was going on and saw they had processed additional charges after I had closed the account and on top of that were trying to charge late fee 's of XXXX. I immediately called and spoke to an agent and they said I had to pay the XXXX in late fee 's. I agreed to pay the charges they put through but not the late fee. They claim I'm responsible for the late fee 's which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about the XX/XX/XXXX2019 I sent in a letter asking Equifax for validation of a few inquiries on my report. I received an email on XX/XX/2019 I received an email from Equifax stating they received my letter and issued me a dispute # of XXXX. On XX/XX/ 2019 I received a email stating my dispute was complete. Upon review of my credit report I found the results of their investigation had nothing to do with the inquiries in the letter they received on the XX/XX/XXXX 2019.  I called to explain this to them but was given several vague security question. Unfortunately i was unable to get help from the representative. 

I also noticed that the investigation they conducted was a bankruptcy in which they obtained according to them validated information threw a third party. The third party in which they validated the information with has an active suppression on my file dated XX/XX/XXXX 2019. this means that they were able to obtain information without my consent in writing and while my file was suppressed with the company verifying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit report that I would like to verify the information on. 
Industry Contact XXXX XXXX  XXXX XX/XX/XXXX XXXX Bank Credit Cards XXXX FC XX/XX/XXXX XXXX Credit Unions XXXX XXXX XX/XX/XXXX XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Bureaus XXXX Hard XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage Reporters XXXX XX/XX/XXXX Equifax Miscellaneous Replg. Agencies XXXX Hard XX/XX/XXXX XXXX Banks XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Other Than Personal XXXX Hard XX/XX/XXXX XXXX Banks XXXX Hard XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage Reporters XXXX XX/XX/XXXX Equifax Miscellaneous Replg. Agencies XXXX XXXX XX/XX/XXXX Equifax Miscellaneous Replg. Agencies XXXX XXXX XXXX  XX/XX/XXXX XXXX Mortgage Companies XXXX XXXX Hard XX/XX/XXXX XXXX XXXX Other Than Personal
Product: Debt collection

This debt collector, XXXX XXXX XXXX XXXX XXXX, is attempting to ( 1 ) steal excess proceeds following the foreclosure sale of my primary residence as attorneys fees, ( 2 ) erroneously pay alleged personal debts to entities they do not represent, and ( 3 ) require a waiver of my legal rights to receive the funds. The firm acted as counsel for the mortgage holder in the foreclosure. They failed to respond to numerous communications seeking documentation on the sale, an accounting of the proceeds, including how the amount due mortgage holder. Furthermore, among the funds to be collected by the mortgage holder, were {$4000.00} in foreclosure attorneys fees. Yet, the firm attempts to deduct an additional $ XXXX dollars in attorneys from the proceeds due borrower. Additionally, the firm seeks to pay an alleged personal debt out of the proceeds which it lacks the right to do. In short, of the ~ {$17000.00} it states is the amount of excess funds, this debt collector claims it and other entities that it does not represent are due ~ {$13000.00}. Finally, the firm is forcing me to sign a Hold Harmless Agreement which seeks to waive my rights to challenge the calculations or seek other judicial relief in order to receive the funds.
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 XXXX XXXX Account number 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 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute out to all three main credit bureaus and ask for validation of the debt of an account. They all came back as verified. I then contacted the Bankruptcy court and they informed me that they did and do not verify debt with bureaus. I am requesting that they send me the Method of verification of this debt. 

I am writing to request the method of verification for the dispute initiated between 30-60 days ago. 


Chapter XXXX Bankruptcy Case Number : XXXX Please send the following information used to verify the validity of CHAPTER XXXX BANKRUPTCY Case Number : XXXX 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I personally have an attached letter from the court stating that the did not verify the dept to Credit Bureaus. 

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory marks View all accounts COLLECTIONS XXXX  Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/2019 DISMSD/CLSD CHXXXX
Product: Checking or savings account

On the night of XXXX XXXX, 2017/early morning of XXXX XXXX, 2017, my debit card was stolen while traveling for work in downtown XXXX, IL. I had used an ATM machine inside of a bar, where I believe my PIN number was compromised and I believe I was targeted from that point to have my debit card stolen. I did not realize that my debit card had been stolen until the next morning and I immediately notified Chase bank of {$2900.00} in fraudulent activity that had occurred on my account. The charges showed a description of transactions at a XXXX in XXXX, IL, which is an hour and a half north of downtown XXXX where I was staying for work. 
I went in to the local Chase branch as soon as they opened at XXXX XXXX to explain the situation and review the account activity. There were five transactions for {$500.00} and one transaction for {$450.00} totaling the {$2900.00}. These transactions occurred at XXXX XXXX, when I was asleep in the hotel in downtown XXXX. 
The Chase branch banker shut down my checking and savings account and opened up new accounts, transferring my funds to the new accounts. She helped me file a fraud claim with Chase for these transactions. 
I have since gone through 4 rounds of escalations with Chase 's Fraud team, but they are denying that the transactions were fraudulent activity. I have provided all of the information to them that I possibly can on where and how I believe my PIN and card were stolen, but they have rejected the claim and have now said they will not re-open the claim. Despite reporting the fraudulent activity just hours after it occurred as soon I woke up, it appears that I will be robbed of the nearly {$3000.00} in fraudulent charges taken against my checking account via Debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a follow up to CFPB Ref # XXXX. Wells Fargo is claiming that they did not send 30 day delinquency when in fact they sent my spouse a letter claiming they did report in error, which I will attach for review. CFPB case XXXX for XXXX XXXX XXXX. My credit score went down 15+ points to the error from Wells Fargo XXXX
Product: Debt collection

I am trying to clear up my credit, I called to pay off the principle of my debt and asked if I could make a payment to pay off the balance less then interest, I was advised they could not waive the interest and I then requested to just pay off the principle today to stop accruing the interest on the accounts and I would call back at a later time to discuss the interest or contact the client directly about the interest accrued. They told me that if I paid on the account to day and it wasn't the full amount they are asking for then they could not promise I would pay off my assigned balance but that they " sprinkle '' payments towards interest and principle. 

I called the company that originated the debt from and they refused to take my payment of principle over the phone. They advised me that when they forward to collections you have to work with them only. I asked, what if I mail in a payment are you going to return my check to me? They responded that if you mail it in then they will actually post to the account.
Product: Credit reporting or other personal consumer reports

I submitted formal disputes to XXXX, Equifax, and XXXX regarding inaccuracies on my credit report, specifically identifying the accounts in question and providing clear details about the errors. Despite their legal obligation to investigate and respond under the Fair Credit Reporting Act ( FCRA ), it has now been over 30 days with no response from these agencies. 

Under FCRA Section 623 ( a ) ( 3 ), furnishers of information must update accounts to reflect a disputed status during the investigation. This obligation has not been met, resulting in continued misrepresentation of my consumer report.

Additionally, the inaccurate reporting of the 'date of last activity ' on this account violates Section 605 ( c ) of the FCRA , as this date should correspond to the last payment made rather than an arbitrary date, misleading creditors and consumers alike.

Furthermore, the collection agency associated with this account has failed to provide sufficient validation of the debt as required under FDCPA Section 809 ( b ). This repeated failure undermines the accuracy and fairness of my credit report and violates my consumer rights.

I am attaching copies of the original letters sent, along with relevant documentation. I respectfully request immediate action to correct these violations and ensure compliance with federal regulations.
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 XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) # XXXX has violated my rights. 

Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) # XXXX has violated my rights. 

Account name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) # XXXX has violated my rights. 

Account name : XXXX XXXXXXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

back in 2019, i had returned the automobile back to wells fargo on my own because i was a hardship and could not afford the payments because my wife was sick and not working. i was the only one working in my family. i had also sold my home that year because the medical bills was piling up. 
wells fargo had closed this account. 
for 4 years this account was closed. in XXXX, they had opened the account again and my credit ratin had dropped XXXX points. 
because of this, i can not find a place to live and my family will soon be homeless
Product: Debt collection

The Company is Ideal Collections this is for a charge off collection for eviction that the amount and collection belong to my ex wife and this was part of the divorce and debt that she was to pay.
Product: Checking or savings account

Unfortunately after filing a complaint against Bank of America for unfairly closing my checking and Savings accounts, I found out they closed my " XXXX XXXX '' retirement account as well. To make matters worse, I have no idea where they sent my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, asked the credit bureaus to do a verification through a thorough investigation of the items listed in this complaint and also listed below on my credit my credit report. They stated that the accounts had been verified as accurate. However, I did an investigation into my credit report myself and found inaccuracies after they did their thorough research. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, XXXX, and 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America staggered years posting Delinquent Line of Credit on Mortgage to add additional years from the 7 to 9 years with one credit Bureau ( XXXX ). Since none of the Credit Bureaus coordinate with each other, no one can assist in the difference in years filed for the same account. BoA listed with XXXX that a payment was made in XXXX... which I never made. On their Report Legend it is justified with " Ok ok ok etc ) for that year. How did it get to be ok .... ( Fraud payments posted )? No payment made. 

I received all three Credit Reports from XXXX, XXXX and XXXX : The account numbers were changed for different accounts BoA was filed with XXXX XXXX Same account. When XXXX submitted my dispute... it was changed and closed. 
BoA was filed with XXXX XXXX same account. Changed and Closed BoA was filed with XXXX ( XXXX ) with bogus payment made in XXXX to extend the years from ( 7 to 9 ) to a closure date of XX/XX/XXXX. I MADE NO PAYMENT IN ( XXXX ) to this account. This justifies their beautiful, itemized statement. 

In their payment legend with OK OK OK reset the account., extend delinquency and post with a Credit Union . 

Also different account numbers used with the Credit Bureau... With no check and balances with each Credit Bureau, Can they post a bogus payment and post with different account numbers, extend years, and file with a different Credit Bureau? 

My original account number is XXXX, and this number is not used, but different numbers with different accounts. 

I know accounts may be posted with different Bureaus within 30 days or so, but not 2 years, same account, to keep a negative credit rating after the 7 year allowance on this type of delinquent account. 

Since I posted a Dispute, the information now reads " Foreclosure Initiated ''. 

Please help ... .Thanks.
Product: Debt collection

I was trying to get a home and was told that i had to pay that off or show that there was a payment plan provided so i call Hunter Warfield to talk about the account and they said they could do the payment plan but they will not send me a copy of the agreement and i have have talked to other debt collectors and they said it was by law that they have to give a copy of that and i can not get them to give me a copy im not wanting a paper saying its paid in full just a copy on the laid out payments are going to be they can be reached at XXXX Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran my credit without my consent. ALLY FINANCIAL ran my credit without my consent. XXXX XXXX XXXX XXXX also ran my credit without my consent. XXXX XXXX continued my application when I didn't process it from my phone.
Product: Mortgage

Our mortgage was set up on automatic payment. The mortgage company made a mistake on our XX/XX/2016 automatic withdrawal. We received a notice dated XX/XX/2016 that our account was going into pre-foreclosure. We called the moment we received the notice and talked with a mortgage representative and cleared up the issue. We mad a payment over the phone to ensure the account was in good standing. They CONFIRMED on a recorded phone conversation that the issue would NOT be reported to the credit bureau. I learned today that they did in fact report it. I have a payment confirmation # and have requested that they reverse the reporting, yet they said it would take 10 days for their research to be performed. I see not reason or incentive for the mortgage company to admit that they made a mistake as it would be another black mark on their record. We have XXXX mortgages with this company have a 100 % perfect payment history other than this mistake on their end. Any support from CFPB would be greatly appreciated. 

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

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other XXXX  party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

Can not speak to a live person. Instead you are placed in a never ending series of phone prompts that keep taking you back to where you started.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020 for the amount of {$15000.00}. I discovered this account my checking my credit report through Experian. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX : XXXX XXXX BANK XXXX Balance : {$530.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$600.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX : XXXX XXXX Balance : {$1000.00XXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXX XXXX Balance : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit report and noticed a few accounts on there that was open fraudulently. I before reach out to the credit bureaus i took the time to reach out to the company and they could not verify any information. I am a victim of identity theft, i did not consent to, authorize nor benefit from any of the following accounts. Block and delete them.
Product: Credit card

I believe the account is invalid. Credit Control , LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.Credit Control, LLC XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing accounts that I have never had contracts or history with. I have already filed an FTC report