23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called Bank of America to determine how I could get current on my account since I have been principally unemployed since XXXX/XXXX/2014. I was told I needed to pay approximately {$3000.00} or agree to a debt consolidation agreement with an outside agency. I explained that I only remain delinquent on this account, which was a joint account that somehow was transferred solely to me. I asked about any other program and I was told no and this was my only option. I was then hung up on. The agent was unaware of the effects a debt consolidation and account closing has on credit and FICO scores. Bank of America is pushing debt consolidation with an affiliate in order to make more money which I believe is an illegal practice. They are refusing to allow me to keep current and has applied {$300.00} in payments to fees which they add every month.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXXXXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXXXXXX, Account name XXXX : # XXXX, Account name XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my credit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I Have reached out to all 3 credit bureaus and they given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account Name and Account Number XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have XXXX accounts reporting on my credit from LVNV FUNDING LLC XXXX in the amount of {$2400.00} and the other {$580.00} due to identity theft form XXXXI have called this company multiple times explaining the situation to them and they said they would send out affidavit forms for me to fill out and mail back but I not received these forms and its been over XXXX weeks now as ofXX/XX/XXXX
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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

Ive received alerts that my social security number and other personal information is on the dark web.. 
Ive in the recent past applied for car loans in which ultimately not purchasing a new vehicle. I am still receiving hits to my credit from my information being checked. No other company was allowed to fun my credit check other than XXXX and XXXX  XXXX however I have received letters and hit to my credit due to this Also there was a security breach with information linked actually Im afraid my credit will never reach an amount of over obtained anything due to this mishandling and misusage of my personal information Please assist me
Product: Money transfer, virtual currency, or money service

This company has no life customer service, no one to talk to about unauthorized transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a 3rd party account called transworld was reported on my credit profile to the credit bearues. However the original account related to this contract has had been cancelled, and I am not liable for any and all 3rd party charges regarding this account.The account is unverifiable and I have not received the proper documentation that holds me accountable.The orginal creditor has already been paid for their losses through insurance and taxation
Product: Mortgage

They Call me constantly to tell me my mortgage is late because it has n't been received by the XXXX of the month. But it has a grace period and the payment is always paid within that grace period and is never late. We are being scammed by them in an effort to force us to sign up for automatic withdrawals. Our mortgage was sold to them from the original bank we had our mortgage with for XXXX years and we never had a late payment. This company is crazy. They call us almost everyday and are now harassing us at work for a mortgage that had been paid. We recently mailed the payment and they called us to say they never got it. I had to stop payment in tje check and am now being told because it really is late now there is a late fee charged. Please help us.
Product: Mortgage

I have a mortgage with Caliber Home Loans. I'm a XXXX Veteran. I was granted significant property tax relief from the District of XXXX in XXXX of XXXX, which reduced my property taxes by roughly {$1700.00} at the time. 

XXXX did my annual escrow analysis in XX/XX/XXXX, and it failed to capture my newly reduced taxes. They also overpaid my taxes by ~ {$1700.00} in XX/XX/XXXX The incorrect escrow analysis triggered an escrow shortage, which raised my monthly payment by {$300.00} starting in XX/XX/XXXX. 

I complained about the tax problem multiple times on the phone, and sent emails via their internal messaging system between XX/XX/XXXX and today. I provided them with a copy of my current tax bill from the city of XXXX in XX/XX/XXXX, and they finally agreed to run a new escrow analysis, which I got back today The new analysis shows they still have not gotten the tax information right. The new analysis shows me paying an extra ~ {$3300.00} in taxes over the course of XXXX ( payments in XXXX and XXXX ) that I do not owe. This is on top of the {$1700.00} overpaid in XXXX, and no one can tell me where that money went. 

My actual tax bill due this month ( XXXX ) is {$1400.00}, and the same will be due in XX/XX/XXXX. My escrow analysis shows they're paying the city {$3100.00} in XXXX, and the same amount again in XXXX. That's more than twice the amount I actually owe PLEASE HELP. I can't afford to keep paying an extra {$300.00} per month for taxes that I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
Dispute 3 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

gemini.XXXX froze my funds and didn't give me a reason why, on the app its asking me for a photo id but the app doesn't let me take the picture, all I want is for someone to respond to my email, other people have had this problem and have been waiting weeks to months with no response, I do not want to be one of those people, please help!!!
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding two accounts that remain on my credit report with XXXX and TransUnion : XXXX XXXX XXXX ( Account # XXXX ) and XXXX XXXX ( Account # XXXX ). 

I have previously disputed these debts and requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. Both creditors, XXXX XXXX XXXX and XXXX XXXX XXXX, were required by law to provide me with proof of the debt, such as contracts or signed agreements. However, neither company provided any documentation supporting their claims, which violates the FDCPA and the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i. 

Despite the failure of both creditors to validate the debts, the accounts were reported as accurate on my credit reports. XXXX removed these accounts due to the lack of verification, but XXXX and TransUnion failed to update or remove the accounts, which I believe is a violation of FCRA 1681i, which mandates that a credit bureau must correct or remove inaccurate or unverifiable information.

Furthermore, the FDCPA 1692e prohibits the use of false or misleading representations in the collection of debts. The failure to provide validation and the continued reporting of these debts as accurate after being marked as closed remains a violation, as the accounts are inaccurately marked as resolved or paid when they have not been validated, and no documentation has been provided.

Under FCRA 1681e ( b ), even if accounts are reported as closed, they must still be reported accurately. A closed status does not eliminate the need for accuracy, and the information must be verified for authenticity, which was not done. Reporting a closed account without proper validation still constitutes a violation because it results in the reporting of unverifiable, potentially incorrect information on my credit report. 

I previously filed complaints with the CFPB, but the dispute process was not handled properly by the credit bureaus or creditors. Below are the reference numbers for my previous CFPB complaints : XXXX XXXX complaints : XXXX : ( XXXX ) TransUnion : ( XXXX ) World Finance Company complaints : XXXX : ( XXXX ) TransUnion : ( XXXX ) Despite these complaints and my requests for debt validation, XXXX and TransUnion have continued to report the accounts as closed but unverifiable. This is an ongoing violation of both the FCRA and FDCPA. 

I request that the CFPB take the following actions : XXXX. Investigate the failure of XXXX XXXX XXXX and XXXX XXXX XXXX to properly validate the debts. 
XXXX. Ensure XXXX and TransUnion remove the unverifiable accounts from my credit report. 
XXXX. Require XXXX XXXX and XXXX XXXX to comply with the FDCPA and FCRA by properly verifying the debts. 
XXXX. Provide documentation verifying the debts if they are to remain on my credit report.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments.

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Furthermore, I have identified other inaccurate personal information on my credit report, which may be contributing to reporting errors. I am requesting a thorough review and correction of any outdated, incomplete, or incorrect details to ensure the accuracy of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied at XXXX and went through a background check with Accurate Background. It began on XX/XX/XXXX and I received a copy of the report on XX/XX/XXXX. The report said that I was found guilty of a crime ( felony misdemeanor ). This report was also sent to the employer. I immediately disputed the report as it was inaccurate. I provided undeniable proof that I was not convicted of said crime the report categorized me as guilty of. I have not been able to reach the dispute team but I was given an email and have yet to get a response. They told me the process is that they will send XXXX a notice saying Im disputing information and they will reinvestigate. I have not been given a timeline or an eta on when the matter will be resolved. This will undoubtedly lead to lost wages due to the delay. Also, because I was not convicted of a crime at all and they reported that I was convicted, it leads me to believe that the team who put the report together were not careful and it could have a real impact on XXXX decision to hire me. If I did not have make sure to check the box to receive a free copy of my report, I likely would not have ever known because I received no call. In my application when I was asked if I had been convicted of any crime in the past 7 years I answered no, so if they thought they found a conviction I should have been contacted before they sent the report to the employer, possibly damaging the work relationship that Im trying to establish. This is very upsetting.
Product: Credit reporting or other personal consumer reports

This account has reported late in my credit report for over 7 years now per fcra laws an account will be removed from account after 7 years I have attempted to resolve with experian and XXXX and they do not fix it. 

XXXX was the only one that followed the law and removed from my credit report.
Product: Debt collection

After having disputed two cable accounts on my consumer credit report, I contacted the original creditor ( XXXX XXXX XXXX  ). They informed me, the business account was sent to a collection company. I questioned how the collection company obtained my personal identifiable information, when it was a business account and an XXXX was required in order to begin service? A representative from XXXX XXXX XXXX  XXXX told me they have no control over how the collection company decides to pursue the amount owed. I have made several attempts to get these accounts removed from my personal credit report to no avail. I have contacted Eastern Account Systems on several occasions, I was only able to speak with one representative who informed me she would reach out to the company to obtain additional information. I have made several calls, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and again today XXXX  The automated system will say its transferring me to an agent and then the call disconnects. These two accounts on my consumer credit report have created financial issues for me in terms of credit, interest rates, etc.
Product: Money transfer, virtual currency, or money service

I have been a customer of Bank of America for nearly thirty years. A supposedly secure Bank of America XXXXnline money transfer to another Bank of America account led to me to loose {$2400.00} in a fraud scam. 

My son recently moved to XXXX, XXXX and he needed my help in paying for an apartment. He found one and I signed a lease agreement. To move in, a deposit and two months rent needed to be transferred to another Bank of America account in the owners name. I requested to go directly to the bank to insure that the account was real and their was no fraudulent activity or suspicious circumstances surrounding the account. I was told by a Bank of America representative that this transfer could only be done online and the branch could not help me investigate the legitimacy of this transaction. I even argued with the representative that it wasnt a safe was to make a transaction like this online. Against my better judgment, I conducted the transfer online through the Bank of America website ( confirmation # XXXX ) on XX/XX/XXXX. The transfer went through and later ( XX/XX/XXXX ), I found out that my son was scammed when the individual did not go to the apartment to let my son move in. I texted the criminal questioning him why he had not arrived at the apartment to let my son in. The criminal sent me a photo of the money he withdrew from your bank and wrote Lol cash in hand acc closed. The picture depicted the same amount of money I transferred. 

I went to my local Bank of America branch ( XXXX XXXX XXXX, XXXX, XXXX  XXXX ) immediately ( within 15 minutes of discovery ) and spoke with XXXX XXXX ( Financial Center Manager- ( XXXX ) XXXX ), to report the incident. XXXX XXXX said there was nothing I could do. She told me the account I sent the money to was valid, and the transaction was between the two of us. She said the account was still active, so the criminal isnt worried about Bank of America stopping the theft. She advised me I was responsible for the loss, but she would send an alert on the account to be investigated. In the meantime, this criminally used account would remain open so the fraud could continue. The criminal still has advertisements for this apartment to be rented on XXXX and XXXX, and undoubtedly, will steal from other people. The bank employee said the criminal could continue to perform the same fraud on others even after I reported the fraud. I did warn XXXX and XXXX about the situation and was sent an e-mail the ads were removed. 

I find it hard to believe even after a customer warns a bank of fraud, the bank assists the fraud by allowing fraudulent transactions to be deposited in their bank accounts. To add further insult, the bank refuses to reimburse the customer. 

By performing addition internet searches of the suspects cell phone number through a search engine on my cell phone, I found that the suspect has been doing this scam for a year, likely with the help of Bank of Americas online money transfer system. I originally used my desktop computer to search for any reported fraud associated with the apartment rental, but did not find any.
Product: Credit card

I received a solicitation from XXXX for an American Express credit card. This occurred despite my name being on the opt out list for prescreened credit card offers ( XXXX ). I placed myself on the permanent opt out list several years ago.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX