23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
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. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Debt collection

I lived at the apartment for two years never owed rent but during Covid 2020 lost my job told management that I am having difficulty paying my rent they encouraged me to stay stating that I was a good paying tenant I hanged on payed the rent while working odd jobs. In the end I lost everything I owed 1 month rent I had no where to go no $ to put my expensive furnitures in storage I walked away from everything I owed {$1600.00} in rent, my furnitures were worth about {$8000.00} they sold everything and put me in collections for over {$6000.00} and is charging me interest every month on this debt!!! Which I believe is illegal why are they charging me interest? This is not a federal loan? I tried to explained to the company that the amount is incorrect and they ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting for the XXXX major credit reporting agencies to remove and block these following unauthorized accounts reporting on my credit file. The following accounts do not belong to me. 

1 ) XXXX XXXX XXXX  {$1700.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX   {$2000.00} 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX {$4600.00}
Product: Credit card

Capital One violated the FCRA 623 ( a ) Duty to Provide Accurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a CRA if the furnisher " knows or has reasonable cause to believe that the information is inaccurate. Capital One violated the FCRA : Duty to Correct and Update Information. Capital One violated the FCRA : Duty to Provide Notice of Delinquency of Accounts. 
Capital One reported credit card account XXXX to credit bureaus after receiving written notices of disputes from me directly and disputes that I submitted to credit bureaus regarding this account. However, Capital One violations of the FCRA are denoted on my credit file for its reporting on said account without complete credit history which does not allow for the calculation of when the information will expire also Capital One continuously re-ages this account all in violations of the FCRA.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report, which has adversely affected my credit score. This is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Recently, my account balance was incorrectly reported. The correct balance of my account is {$28000.00}. However, the agencies reported that my balance increased, which is not true. Specifically, my balance decreased from {$29000.00} to {$28000.00}, and the correct current balance is {$28000.00}. 

According to 15 U.S. Code 1681 - Section XXXX ( a ), I have a right to privacy. Additionally, 15 U.S. Code 1681 - Section XXXX ( a ) ( XXXX ) states that a consumer reporting agency can not furnish an account without my written consent. Therefore, the erroneous reporting not only misrepresents my financial status but also violates my rights under these provisions. 

I request that the inaccurate information be corrected immediately, and my credit score be adjusted to reflect the accurate balance of {$28000.00}. Please confirm receipt of this letter and inform me of the steps being taken to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a debt collection for XXXX XXXX XXXX was removed from my credit report. However, the same debt reappeared on my credit report on XX/XX/XXXX and effected my credit score in a negative way. I never received a reinsertion letter from Equifax. I have proof of the debt being removed from my credit report.
Product: Mortgage

Within my monthly mortgage payment to Flagstar Bank, I include my insurance and taxes as a part of my escrow payment. For the past two years, my mortgage company has mailed and called me to tell me that I needed to purchase an insurance plan for my home, even though it is included inside of my escrow payment. I have told the mortgage company each time that it's their responsibility to pay the insurance bill because I am paying them via the escrow account. Here is a detailed date of events this year : XX/XX/XXXX : Mailed me notice to say that they don't have proof of XXXX insurance for my house and that I would need to purchase it and show them proof. I called them immediately afterwards to tell them that it is included in my escrow payment and would not be purchasing a second insurance plan. The mortgage company then was able to show that they did indeed purchase insurance, but they did so three days after my previous policy expired and that I would need to purchase a policy for the three day gap ( XX/XX/XXXX - XX/XX/XXXX ). 

XX/XX/XXXX : ( letter dated for XX/XX/XXXX, but I received it later than that ) Received a second notice saying that I needed to purchase insurance for the three day gap or else they would purchase it themselves and it would cost me XXXX. The annual policy is less than 2000 dollars. 

XX/XX/XXXX : Called insurance company to buy policy for three days, back dated, as my mortgage company requested. Insurance company said they do not do that and provided me with documentation showing that mortgage company paid the bill for my insurance late, most likely to gain more interest from my escrow payment. Mortgage company claimed that while the insurance company did mail and fax the invoice one month ahead of time, they sent it to the wrong address because the bank has changed their PO box . The insurance company showed documentation that the PO box and fax number change notification was mailed out in XX/XX/XXXX, more than three months after the original invoice was sent out. Moreover, the bank mailed payment late, it was post marked on a date that would identify it as being late, and was the correct amount ( price had increased from year prior ). 

Essentially, the bank held onto my escrow payment last minute, paid the bill late, and I had a gap in coverage. Then - they tried to coerce me into paying XXXX dollars for three days of insurance coverage, which is 67 times more than what it actually costs, due to their obvious mishandling of my escrow money. There is documentation that can be provided if requested.
Product: Money transfer, virtual currency, or money service

Fifth third bank has placed a hold on a certified check/cashiers check that has certified funds. I called them and was advised they can do nothing about the hold. this is a violation of Regulation CC for funds availability where certified funds checks should be available the next business day. I have also cashed/deposited this same exact check there before and it has cleared with no problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a serious issue going on with my credit report. I have been a victim of identity theft. I have tried to work closely with US Bank fraud department for the last 2 years. They are reporting an auto loan with their institution which was opened fraudulently, I signed there affidavits and filed the police reports necessary. and they denied my claim due to dealertrac saying that my correct license was used. 

I explained to US Bank I lost all of my documents while traveling to XXXX XXXX. This account was token out in XXXX New Mexico. A place I have never visited or lived in. 

Their was another account that was opened up with XXXX XXXX XXXX it was another Auto loan as well. In their investigation they came up with a copy of a New Jersey Drivers license with a po box dress in Florida. 

I called New Jersey and was told that New Jersey license with residents residing would only have a New Jersey address listed on the identification. Which tells me this license that was provided to XXXX XXXX was fraudulent. I need help in getting this account removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$280.00} XXXX  XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Mortgage

Bank of America ( BOA ) is reporting non payment on my mortgage loan. I had a significant decrease in my credit score and learned that BOA is reporting Late and Non payment. After speaking with the following departments at BOA : customer service, tax, loss & prevention, escrow and escalation, it was identified that BOA created an escrow account for my loan and was making tax payments to the municipality through a third party called XXXX XXXX. 

My loan originated with Countrywide Mortgage in XXXX prior to BOA purchasing that portfolio. 

My bank records show that BOA has withdrawn my mortgage payments plus additional funds for extra principal payments, each month and on time, through ACH transfers. I requested that BOA immediately delete their escrow account since I hold escrow in another account at a separate institution. I asked for a transcript of our call and was denied. I requested a case number for this issue to be escalated and was told to call back on Tuesday, XX/XX/XXXX. 
I have submitted the following documentation to support my claim of predatory banking practices. : 1. Receipt of tax payment 2. Tax card 3. Bank statements showing monthly mortgage payments.

4. Bank statements showing personal escrow account.

5. Mortgage note was signed with Countrywide prior to BOA purchasing that portfolio.

6. Phone log with date and time stamp to BOA.

I requested immediate correction of my mortgage note showing on time payments and immediate correction of my XXXX score with ALL reporting bureaus. I was told that BOA will not delete an escrow account that they have created
Product: Mortgage

FHA Case Number XXXX XXXX Home sale closed XX/XX/XXXX. Interest charged by JP Morgan Chase to XX/XX/XXXX.  Expected refund for unearned interest. Bank said no refund due to FHA regulations. 

Loan open since XX/XX/XXXX. 

Looking for interest refund of a little less than {$600.00}. 

I hope to attach copies of the bank payoff statement reflecting interest charged and the settlement statement confirming the closing date. 

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

Good afternoon my name is XXXX XXXX and i received a texas gas letter that i need to pay {$430.00}. They used the address that im leaving in XXXX XXXX XXXX XXXX XXXX XXXX I never have no one permission to use my personal things im reporting this because i dont need to pay that amount
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$74000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$68000.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

In XXXX, I took a loan out to purchase a car from a dealership. I thought I was buying a car. They said I only qualified for a XXXX, but I didn't really want a XXXX. They refused to take the trade-in I had. After a couple of months ( I was current on payments ), I decided to return the vehicle since it wasn't what I wanted. They came after me for the amount of the loan. I filed XXXX in XXXX. After my XXXX ended, they continued coming after me for the car loan, and they've filled a judgement against me in the state I'm currently living in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ). 
I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax,, experian, and XXXX did not modify or removed anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 
Which is a violation, this is impacting me from moving forward to buying a house for my family I attach my previous credit report and my new credit report to show how XXXX violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance and reportability of this listing and it came back verified. Please validate and have them provide method of validation on this information from XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. This has account has been updated with activity and this is a closed collection account. The term duration on account as states 1 month on Experian ], 0 months on XXXX, and Unknown on XXXX which is inaccurate. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681e ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get credit for my new business & was denied due to a public record.. wrongfully on my credit profile ... I reach out to credit bureau asking for it to be remove ... explaining how its affecting me. I reach out to the court house explaining its not accurate. The court clerk responded an said they dont report to credit bureaus and also sent me a letter stating the facts ... I reach out to the credit bureaus once again only to be in the same situation not able to start my business due to inaccurate reporting on my credit file ... thanks Im asking for help about this matter. 
Thanks in advance, XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, I was the victim of fraud perpetrated by unknown person ( s ) using XXXX to steal {$6200.00} from my consumer bank account at Bank of America. In total, there were six separate fraudulent transactions, three on XX/XX/XXXX and three on XX/XX/XXXX, in the following amounts : XX/XX/XXXX - {$980.00} XX/XX/XXXX - {$970.00} XX/XX/XXXX - {$820.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} None of these transactions were initiated by or authorized by me, and I have never signed up for or used XXXX for any purpose. I reported the first three fraudulent and unauthorized transactions to BOA on XX/XX/XXXX, but the bank did not properly handle my call and did nothing to protect my account or refund me the money. Then on XX/XX/XXXX the additional three fraudulent transactions were made from my account. BOA refused to refund any of the fraudulent transactions, even though I reported them immediately as fraudulent, in violation of Reg E. Instead, BOA denied my claim and closed my account. I request reimbursement of the {$6200.00} stolen from my account and the remaining balance in my account after BOA unilaterally closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Product: Money transfer, virtual currency, or money service

I initiated a transaction for a few hundred dollars on the end of Wells Fargo. The payment posted but The payment later disappeared off of my account. The payment was not pending, it was completed. Wells Fargo initiated a three way call with my other bank, XXXX XXXX to ensure the funds were posted and completed. XXXX XXXX confirmed this and provided a trace number, quoting it may be stuck with the federal reserves. Wells Fargo is telling me that the removal of funds is illegal on their part and they would work diligently to fix it. They have been extremely helpful but partly I feel as though this is done because they understand they are in the wrong. It was later confirmed that the funds were showing in their back office but for some reason it was not posted as fund received even though XXXX XXXX confirmed funds were sent. They escalated the issue because it may be a  system error. I have heard of illegal wellsfargo activity in the past and I just wanted to know my options or at least whistle blow when I notice illegal activity. I believe light should be shed on this issue. It has been three business days. I posted the amount that was taken from my XXXX XXXX. His also caused overdrafts in my Wells Fargo accoun
Product: Debt collection

Debt is being charged without me being aware of any of this, incorrect amount and also sold to a third party. I did consent my information to be sold. Debt is abusive, according to 15 USC 1692, the Fair Debt Collection Practices Act this should be put to an stop, which should be removed from my credit report immediately!