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

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/XXXX was my recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point.

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Mortgage

The worst thing that has ever happened to me in my entire life was my home loan being sold to XXXX XXXX. The second worst thing was XXXX XXXX committing fraud and giving me a false late payment on my credit report. My loan was sold early this year. In XXXX of XXXX I used my banks bill pay system to make my mortgage payments. The address used XXXX  unbeknownst to me In XXXX of XXXX XXXXXXXX XXXX reported a late payment on my credit report causing me to loose over XXXX points. I had began using bill pay via my bank and my bill pay check was sent to their alternate address instead of their main address where they process payments. My bill pay was sent to XXXX XXXX XXXX XXXX XXXX, TX XXXX. I called them many times to explain this over & over to different people. I kept getting the run around & none of them understood me or would get my story right. I would get cut off & they would tell me so this is what you mean- & still get it wrong. They kept putting me on hold for sometimes up to 45 minutes at a time & then would say we will send you a letter with our decision. Each time they dismissed me & refused to remove this false late payment off of my credit report. I am demanding the company to do the right thing, resolve this issue, and repair my trust with this company & remove the late payment from my credit report. Yes, as soon as I contacted my bank & XXXX XXXX, & learned that my payment was sent to one of their wrong addresses I immediately sent payment out to the company - & began trying to figure out a way that we can remedy this minor mistake to no avail. This is frustrating & has caused me to miss out on things that could financially assist my family & I. I want this false information removed
Product: Checking or savings account

They are allowing other institutions take processed funds then pending these charges and processing them on a later date which causes removal of more funds followed by an overdraft fee if my available balance is at XXXX on products that are already paid for
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, Account numbers : XXXX, XXXX, XXXX, have violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with XXXX, XXXX & Experian to open A dispute on an account that has A host of inaccuracies reported to the my credit report from XXXX XXXX. I was sent A updated dispute saying the information was verfied. Under the FCRA they are required to look into my dispute in great detail and if that was done they would have seen the inaccuracies. I have attached A copy of the the way this company has reported absolutely no late payments to XXXX  and experian and then A sudden charge off in XX/XX/XXXX to both reporting agencies. It also states on my XXXX  report the last activity was on XX/XX/XXXX, However I have attached the screenshot of the report that also show they reported the last activity on the account with XXXX to be XX/XX/XXXX which is 3 months PRIOR to reporting this to XXXX. This shows the inaccuracies reported across the three consumer reporting agencies. Experian has absolutely No late payments reported also. The last payment date should be the same across the board, The date of charge off should be the same across the voard and it is not!! This shows the company has been reporting inaccurate information. Also I sent A letter requesting an early exclusion since this is an account from XXXX. The last payment date was in XXXX however they have reported DIFFERENT dates to all three reporting agencies. The last dispute should have required the company to VERIFY the last payment date. I am requesting A payment history report from the three consumer agencies. I am requesting this account be completely removed as they have reported inaccuracies and it is NOT my account to begin with. Should you decide to keep this inaccurate information reporting I am REQUESTING PROOF OF ALL FINDINGS THAT WOULD VERIFY THE INACCURACIES!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked credit report agency to verify accuracies on my credit report on XX/XX/22 for {$140.00} to XXXX XXXX XXXX. 
In accordance with the Fair Reporting Act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A section XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Prepaid card

On XX/XX/year> I received an email from XXXX stating the following " Dear XXXX, After careful review of your appeal request, the compliance and security teams have decided not to approve your request to activate an account at this time. To ensure that our service remains secure, this decision was based on parameters that we can not discuss. If your account retains a balance, we will mail you a refund check to the address on your profile within 130 days. 

We appreciate your interest in our service and apologize for any inconvenience this may have caused. 

Best regards, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX '' Today is the XXXX XXXX XXXX  135 days from when I received that email, and I have yet to receive my remaining balance that was in my account, nor have I been able to communicate with someone from there about it.
Product: Debt collection

On XX/XX/year>, I received a call from XXXX at phone number XXXX. During the call, XXXX failed to verify that they were a debt collector, as required by the FDCPA. I provided my name, and the representative informed me that I owed money to Purchasing Power. 

When I responded, the representative mocked my XXXX XXXXXXXX. I then requested that they verify the debt, as I was unfamiliar with their company. The representative responded rudely, saying, " Of course, you XXXX owe this money. '' I ended the call immediately. 

This behavior clearly violates the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was open in my name by the bank fraudulently and i attempted to investage the problewms 2 years ago when it was first opened and i was not notified of what was going on with the account. Since they have told me the account was properly closed and was no penalties against my name however i viewed my reporr and there is still a closed account with 3 missed payments on a fraud XXXX account with the bank providers. They are in violation of my fcra and i have not got anything in the mail ever in the 2 uears i been fighting them off my name.
Product: Debt collection

I have had previous accounts with Transworld Systems. I have paid off most of those accounts and am disputing the rest. Firstly, months ago I went to schedule a doctor appointment and was told I could not because I owed a debt transferred to Transworld ( AKA TSI ). After weeks of calls, they first said there was no such account and all debts were paid. After contacting the doctor multiple times, weeks later TSI called stating they just recieved the old closed account AGAIN from the doctor and now they want payment. That is why the dispute has been started. I have no payment arrangments with them and absolutley no debits authorized from them. Now to the important part : a couple days ago I checked my business bank account and noticed a draft of {$400.00} to Transworld Systems. I searched the account and found another draft of {$400.00} from about a month prior. I immediatly contacted my bank and issued a stop payment. After XXXX minutes on the phone with TSI and talking to multiple reps, they are insisting that they did not make the drafts and suggested I make a police report. These were XXXX transfers meaning they used my bank account number and routing number.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/2024. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

Additionally, under the Truth in Lending Act ( XXXX ), XXXX XXXX XXXX, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : XXXX XXXX : ** XXXX XXXX XXXX : ** XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX  & XXXX  XXXXX Balance {$5700.00} XXXX XXXX XXXX Balance {$280.00} Individual : Bankruptcy XXXX XXXX Reference Number XXXX Date Filed XXXX XXXX, 2012 XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , CA XXXX XXXX XXXX XXXX  XXXX XXXX , CA XXXX
Product: Debt or credit management

See attached for the initial complaint. It's been 60 days and I have yet to receive an update from my initial complaint. I submitted in my initial complaint an email confirmation from XXXX confirming I returned the equipment. 

This small collections amount has harmed my credit unfairly and the matter was resolved in 2021. In fact, this account has already once been removed. It's now reported again on 2 of my 3 credit reports accounts. It need to be removed or I will take legal action for the harm done to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/19 just after XXXX XXXX. I made a personal check deposit for {$1000.00} at a BoFA Branch ATM which is the same branch i do most of my deposits and withdrawals from. 

I completed the check deposit. I received a receipt that stated the amount had a temporary hold. In the past I have cashed 1 check from the same person at the same banking institution/account for {$250.00} about 3 - 4 months ago - BOFA put a ten day hold on that check then as well never allowing me to pull funds from the check until a full 10 business day had past. 

My account at the time then and now is not a NEW account. I am well aware of most of the regulations and subsections in Federal Regulation CC that permits a bank to put up a 9 day hold on check deposit - my account is not " NEW ''. 

I tried to resolve this issue the following day XX/XX/19 @ XXXX XXXX PST by calling BoFA directly from the app on my XXXX  phone. I waited forever in line and then was connected to XXXX who was working out of a BoFA Call Center located in XXXX XXXX. 

The entire call lasted 13 mins and 29 seconds. I explained my situation to XXXX. 
I then asked for legal reasoning or backing for holding my check for 10 business days. 
I explained that i never received any information that appropriately explained why there was a 10 day hold. I made him aware this was the second time a 10 day hold was being placed on a check i needed cleared because it was a loan and needed to be able to feed my kids. 

XXXX informed during the conversation that the bank was acting within it's right legally to withhold the check and make none of the funds available PER Federal Regulation CC, he could not however state which section or subsection applied to me specifically and or how the bank planned on defending this type of complaint. 

I made him well aware i was going to submit a complaint to the CFPB for unlawfully holding a check that was deposited for emergency funding. As of right now i have {$0.00} in my bank, i have no money for food and Bank of America has chosen to make getting the money i need desperately a very difficult thing. 

I made sure that i READ through most if not all of the Federal Regulation CC Section 229 which is specific to Banks and Deposits and the laws Congress passed to made funds available to the consumer in a reasonable period of time. 

Section 229.10 & Section 229.12 of Federal Regulation CC are specific to this case. 

The fact that BoFA can not ACCURATELY tell me when i call WHY my money is being held and then states an entire federal regulation code as the banks backing for illegally placing a 10 day hold on the funds. 

I have seen that at a minimum BoFA needs to make certain amounts available in increments as bank business days pass after the check has been deposited. 

End result - There is no backing for what they are doing. please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 



In accordance with the fair Credit Reporting act ) XXXX XXXX  3 Missed late payments Balance updated {$13000.00} XX/XX/2023, XXXXXXXX XXXX 1 Missed late payment {$670.00} Balance updated XX/XX/2023 XXXX, XXXX 1 Missed late payment. {$580.00} Balance updated XX/XX/2023 XXXX XXXX XXXX XXXXXXXX {$7800.00} I owe them that's in collections they are not the original creditors. 



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. 



15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. 



According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts. 



REMOVE OR THE LATE PAYMENTS OR DELETE THE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Mid-XX/XX/2017, my sensitive personal & financial information was stolen from Equifax in a massive data breach. Considering that Equifax houses data on the majority of American adults, their security was woefully inadequate, and their incompetence was highlighted by the fact that they did n't even discover the breach until at least 2 months later. I 'm now reasonable certain that my first and last name, Social Security number, birth date, addresses and possibly my Drivers License number is now available to the highest bidder. 

As a result of this, I will now have to look over my shoulder for the entire rest of my life, and be hypervigilant about my financial and personal security. I 've still yet to determine the full impact of this situation, but I can guarantee that I will have to spend a lot of time and money to protect myself for as long as I 'm alive. Equifax needs to be held accountable for putting hundreds of millions at serious risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

NORDSTM/TD Account Number : XXXX. THE ACCOUNT LISTED IS AN ERRORS AND MIGHT BE FRAUD. THIS ACCOUNT ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNT IS NOT MINE, IT BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old bill on my credit report from IC Systems. I have no knowledge who this company is, nor have I every had a contract, signed a contract, or did business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to transunion asking for Validation of debt, I sent letters twice once on XXXX. I got no response, I sent another one XX/XX/2022, They still have not verified the debt as to belong to me. This is affecting my credit report and score and I demand a removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. And they will not remove this account from my profile. I have asked them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with me.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX has been reporting inaccurate information INTENTIONALLY on my report. I have sent them numerous request to remove the inaccurate information under the FRCA fair credit reporting act and they it has not been fixed, under 15usc 1681 accurate and correct information has to be reported. This has been reported XX/XX/year> on my report of " paid closed, {$870.00} written off. '' where XXXXXXXX XXXX has been paid in full and the credit bureau is not reporting the status correctly. 

I do not owe XXXXXXXX XXXX and They have been reporting incorrect status which is showing my account as still " {$870.00} written off '' in the status
Product: Mortgage

A request for an Unemployment Forbearance Plan was submitted on XX/XX/XXXX. The 5-month Unemployment Forbearance Plan was approved XX/XX/XXXX ( effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00} ). However, on XX/XX/XXXX a Flex Modification Trial Plan Notice was received dated XX/XX/XXXX with an effective date of XX/XX/XXXX. A borrower solicitation call was also received from Ditech on XX/XX/XXXX in which the Loss Mitigation Representative ( XXXX ext. XXXX ) indicated the loan was not on an active Unemployment Forbearance Plan and the loan was not eligible for an Unemployment Forbearance Extension. I advised the representative that the next plan payment was due XX/XX/XXXX. In addition, I advised that I was still unemployed and according to XXXX XXXX   guidelines ( D2-3.2-02 : Forbearance Plan for Unemployed Borrowers effective XX/XX/XXXX ) the Servicer ( Ditech ) must evaluate the borrower for an extension of the Unemployment Forbearance plan if the borrower remains unemployed during the final month of the Unemployment Forbearance plan. I also advised the Servicer must receive written approval from XXXX XXXX prior to offering an Unemployment Forbearance plan with an initial term longer than six months. 

Unemployment Forbearance payments : PLAN DATE DUE AMOUNT PAYMENT DATE PAYMENT AMT DATE APPLIED 01 XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX 02 XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX 03 XX/XX/XXXX {$390.00} XX/XX/XXXX {$420.00} XX/XX/XXXX 04 XX/XX/XXXX {$390.00} XX/XX/XXXX {$420.00} XX/XX/XXXX 05 XX/XX/XXXX {$390.00} Not Due Yet *Escrow Shortage payment made XX/XX/XXXX in the amount of $ XXXX Since the initiation of the Unemployment Forbearance Plan there have been multiple servicing issues. The approval process for the forbearance plan took seven weeks to approve. Late fees were assessed although, the Fannie Mae Servicing Guide indicates the Servicer must not accrue or assess late charges to the borrower during the Unemployment Forbearance Plan ( fees finally reversed XX/XX/XXXX ). Forbearance payments ( escrow portion of scheduled payment ) were applied as a payment ( PITI ) on XX/XX/XXXX instead of being held in Unapplied Funds which will create an additional escrow shortage at the end of the Unemployment Forbearance Plan. 

It appears Ditech erroneously cancelled the Unemployment Forbearance due to the Modification Trial Plan Solicitation mailed XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file 4 times with the CFPB and the FTC over this account XXXX # XXXX, Third-Party Collection Agency unable to validate debt the original creditor never responded back at all. It has been well over 60 days. The account was opened and never paid for and I report this fraudulent account already.
Product: Credit reporting or other personal consumer reports

XXXX is reporting all three major credit reporting companies that they received my payment 30 days late in XX/XX/year>2023 and XX/XX/year>2023. My account is set for automatic payment. This information is incorrect and is affecting my credit rating.