23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, 2021 {$420.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The complaint is in response to fraud claims made to Bank of America for our small business checking/savings/credit card accounts. Our company did not authorize an ACH payment of {$12000.00} to be deducted from our account on XX/XX/22. I emailed the same claim to the Bank of America fraud department three times with Bank of America claiming they did not receive it until 20 days ago, I have email proof that is not the case. We have gone into our B of A branch to speak to the branch manager with the response that they are unable to help us. We have contacted our business Bank of America contact with the same response of no help. We also have a Credit Card fraud claim with the same business account of {$3800.00}. We have called the bank fraud department every business day for the last two weeks to try to resolve both claims to no avail. We are a small business and are unable to pay our vendors due to this problem. We have closed this Bank of America account twice now and reopened new Bank of America accounts in the last six months due to fraud on our business accounts. We have done everything asked of our business to avoid fraud on our accounts and are likely to have to close our business if we can not get resolved soon. Please help.
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I have a home equity line of credit with PNC Bank. This line of credit was set to be paid in full, so I signed the necessary paperwork to ensure that the line of credit remained open. Three different representatives told me in addition to the signed paperwork that the line of credit would NOT close.! In addition, I asked a fourth time regarding the payoff if it would trigger the line to be closed. Again I was told NO. So here we are and after all of that stress, they closed it anyway! Why?? Why did this happen? Why was the ball dropped? I asked several different times, and several different representatives assured me that by paying off the line it would remain open.! I had plans to use it. Why would I keep any accounts that I have with pnc there? Obviously, I was given the wrong information, and the representatives didn't know their job correctly. This is a travesty! I should take my personal and my business accounts elsewhere! I have great credit and a great payment history there is no reason why this should have been closed after I went through the work to keep it open and I was told it would remain open
Product: Credit card

On XXXX/XXXX/15, I completed the terms of a settlement agreement offered by chase on my account ending in XXXX, but it was never appropriately reported to the credit reporting agencies. When I made my payment of {$730.00} to settle the account I was informed that chase will report my settlement to the credit reporting agencies reflecting a XXXX balance due. However, my credit reports are still noting a balance of {$970.00} even after I called all 3 credit reporting agencies to dispute account/presented the proper documentation and also called and spoke with a representative of chase to report the issue but I informed it was going to take more time to get resolved. This issue is affecting my credit scores and my ability to get credit at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

A key XXXX wants credit reporting agencies Equifax, XXXX and XXXX investigated for allegedly failing to respond to consumer complaints during the pandemic. 

XXXX XXXX XXXX, the chairman of the House Select Subcommittee on the Coronavirus Crisis, said the nations three largest nationwide consumer reporting agencies have longstanding problems with responding to consumers who raise complaints about credit reporting errors. ( XXXX, XXXX, XXXX ) Pursuant to 15 USC 1681i, these CONSUMER REPORTING AGENCIES were negligent and non compliant to several of my disputed attempts. I had to constantly try to enforce my consumer rights from the time span of XX/XX/XXXX until present day, which I am still in communication in good faith, although their negligence has caused me and my family severe hardship. The willful and knowing adverse actions taken against me constitutes harassment, defamation of character, as well as identity theft ( unauthorized use ) for reporting inaccurate reports that were never investigated nor did I ever give my written instructions for these inaccuracies to be reported to my credit file. 

Furthermore, these inaccuracies did not seize to be reported to my consumer file before the end of the thirty ( 30 ) day period beginning on the date on which the agency receives the notice of dispute from me the consumer.
Product: Student loan

Fed Loan Servicing is telling me that 84 of my student loan payments that I made under the Income-based repayment plan, are ineligible to count toward my Public Service Loan Forgiveness program PSLF. PSLF requires 120 payments to be made while working in a public or non-profit agency, which I have. I've never worked in the private sector. I graduated and began my repayments in XX/XX/2012 and that means I've worked non-stop since that time. I submitted a request a few months ago, formally informing them that I don't agree with that decision. I was then informed that they could not do anything about that. I've also called to request a number for me to discuss this with an ombudsman or advocate, but that was not provided to me, saying they did not have such a number and apologized. In my Fed Loan Servicing online account I see that 9 of the 84 ineligible payments are " payment is pending manual review '' so I hope those become eligible payments counting toward my PSLF program. The only time I've stopped working at a non profit was when I had to go on XXXX leave to have and care for my children. I hope you can help me. Thank you.
Product: Credit reporting or other personal consumer reports

Transunion is posting inaccurate information to my credit report which is causing damage to my personal life. Transunion is furnishing a consumer report that claims I have a derogatory XXXX XXXX account ending in " XXXX '' from " XXXX XXXX  XXXX / XXXX '' that is " 120 days past due. This misinformation is from a fraudulent account that was opened in XX/XX/year>. It also claims that the current balance is " {$0.00} ''. How can a balance of {$0.00} be past due? This account does not even exist and needs to be removed from my consumer report. 
Both XXXX and XXXX removed the account because they verified that it was inaccurate information, leaving Transunion as the lone furnisher of this inaccurate information, even though it is the legal obligation of all XXXX major credit reporting agencies to be reporting 100 % accurate information. Furthermore, Transunion is violating the FCRA by posting this personal information publicly because I have never given them consent to furnish this inaccurate and personally damaging information.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I placed a credit on all three of my accounts because of the Data breach. I did a test to make sure that the burea 's honored my freeze. On XX/XX/year> XXXX XXXX  sent me a letter showing that they had obtained my score from EXPERIAN. When I called EXPERIAN to inquire, I was told that unless I paid for a subscription to them for a advanced credit monitoring that my file would remain UNLOCKED. I explained that Locking a file is different than freezing it. 
While locking is an individual bureau benefit, Freezing is my consumer right and needs to be honored. There is NO REASON that ANYONE should have been able to access my file with a freeze! 
EXPERIAN still has not addressed my previous complaint regarding my information and XXXX being removed its fraudulent and needs to come off. It's not hurting or benefiting YOU to keep it on there but unjustly hurting me from providing a home for my family. My XXXX  fled an XXXX  marriage with my XXXX grandbaby and I need to have her come live with me. I need XXXX removed and my freeze honored as well as my score to be put back to where it was at XXXX instead it dropped ANOTHER XXXX XXXX  today to no fault of my own! So I can get into my home.
Product: Credit reporting or other personal consumer reports

I have already attempted to resolve this directly with Experian by [ briefly explain any steps youve already taken to resolve the dispute, such as contacting Experian or the creditor, and the outcome ]. Unfortunately, these attempts have not led to a satisfactory resolution. 

As per the Fair Credit Reporting Act ( FCRA ), I believe the information reported by Experian is inaccurate, and I am entitled to have this information corrected or removed from my credit report. I request that the CFPB investigate this issue and ensure that Experian complies with the law. 


Thank you for your attention to this matter. I look forward to your prompt investigation and resolution of my dispute.
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. 


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  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

Kindly delete these inquiries. I am unaware of this matter, and the company proceeded without my approval.
Product: Debt collection

XXXX XXXX  [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau [ Address ] [ City, State, Zip Code ] Subject : Violation of Consumer Rights by Collection Agency Dear Sir/Madam, I am writing to bring to your attention a serious issue regarding a collection placed on my consumer report by [ Collection Agency Name ]. Despite repeated attempts to obtain validation of the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has failed to provide any such validation. 

Furthermore, I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( D ). This lack of due process directly violates my consumer rights and places me at a significant disadvantage.

It is evident that [ Collection Agency Name ] is engaging in deceptive and misleading practices by reporting this collection without providing the necessary disclosures required by law. Their actions are in direct violation of 12 CFR 1006.34 and 16 USC 1681-S, which clearly outline the obligations of collection agencies regarding consumer reporting. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against [ Collection Agency Name ] for their blatant disregard of consumer rights. Additionally, I request assistance in rectifying this erroneous collection from my consumer report and preventing any further harm to my financial standing. 

Enclosed with this letter are copies of relevant documentation supporting my claims. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address this violation and ensure that consumers are protected from such unlawful practices.
Product: Credit reporting or other personal consumer reports

The information reported under this account is factually incorrect. I recently pulled my credit reports and noticed you are reporting incorrect information ( high balance, last verified date, remarks and late payments ) for this account ( XXXX XXXX XXXX ). 

High Balance across the three credit bureaus are inconsistent Transunion {$430.00}, XXXX {$430.00} and XXXX shows {$300.00} Date opened shows inconsistencies Transunion XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX shows XX/XX/XXXX Creditor Type shows inconsistencies shows that says it's a Transunion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows XXXX Banks Creditor remarks shows says Transunion- Cancelled by credit grantor/, XXXX XXXXAccount has been closed due to inactivity and XXXX shows Closed or paid account/XXXX  balance/account is closed by XXXX XXXX all show signs of inconsistencies Last payments show that Transunion and XXXX has a last payment day of XX/XX/XXXX while XXXX shows a last payment as of XX/XX/XXXX TransUnion XXXX Reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as OK. 
XXXX : Also reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as XXXX. 
XXXX : XXXX a late payment in XX/XX/XXXX ( 30 days late ), which is inconsistent with the records from TransUnion and XXXX
Product: Mortgage

My Mortgage got sold in XXXX 2015 to Nationstar Mortgage. This company has the worst customer service I have ever dealt with. I am in Customer Service so I do understand how challenging the job can be. First they can not send out the monthly statements. In 4 months I received XXXX. The second only came when I called to ask about it. But when calling the auto phone said my phone number and my my zip code did not match my account. Really? my account zip code is wrong? No, they are a complete mess. The rep told me I can make a payment but NEVER stated that there is a fee to pay my bill that they never sent. I gave her an amount and check number. To end up with Overdraft Fees for insufficient funds. To discover the rep at Nationstar submitted a different amount that we discuss. In my eyes that is Fraud and Theft. A {$19.00} Fee was added to my payment. THAT IS WRONG!! I called yesterday to complain about this. I was put on hold for 5+ minutes when the call was dropped. It took XXXX calls each time this happened and had to explain my story again & again. The reps last night had poor XXXX skills which added to my frustration. I called today to talk to a supervisor. Once again explaining my story and fixing my account, so he said, then finally transferred me to a supervisor. We we had to start over again. But she did state that my account was noted. Are you kidding me!! This company is a nightmare and still do NOT feel confident with them but I have no choice. I can not afford to refinance but I do not the the stress and anger about this account.
Product: Credit card or prepaid card

I have a spirit world MasterCard with Bank of America and as part of my benefits I get redemption fees waived when purchasing airline tickets using my spirit miles. The charge should have only included taxes/fees and should have been {$360.00} not {$300.00}. However, spirit still incorrectly charged me {$300.00} in redemption fees. The receipt attached doesnt even add up correctly. I contacted spirit and they agreed that the charge should not have occurred and told me to contact Bank of America to file a dispute. I filed a dispute and its been over 10 days and they are not following regulation e requirements. They did not provide me with provisional credit or send me any of the required notices. When I contacted them they said Im not responsible for paying that amount until dispute is resolved however no where does it indicate that online in my activity statement or any written notices. I never received any written notices. I do not believe they are appropriately adhering to the regulation requirements. The rep told me that reg e only applies to debit card transactions which is not correct. I spoke to XXXX in customer service on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This account charges off every year! How is this even legal? Once its charged off its charged off. How are they able to charge off the account every year over and over? this is not even my account. The vehicle was awarded to my ex wife in divorce. She defaulted on the payments resulting in a repossession. The account was closed in XXXX  and every year they update the account by charging it off again and again on my credit damaging my XXXX XXXX time and time again. PLEASE HAVE THIS ACCOUNT DELETED!
Product: Credit card or prepaid card

This issues started last year around XX/XX/2023. Sony Comenity was either bought out or partner by Bread Financial in late XXXX During this time, I have had issues trying to log in to my account. I click on forgot password to have it reset. Once I entered the new password, it took me to the next page where it says : " We're sorry. A technical glitch occurred and your request could not be completed. Please try again ''. I have called about this problem many times. Still not one employee helped solve this issue. I have also sent a letter to Bread Financial to have this issue fixed. I have not heard from them. I have not received any letter in the mail from them either. There is no way I can log into my account to view transactions to help prevent fraud. I have been a long time customer of Sony Comenity and never had any problem paying my bill or login to my account until Bread Financial took over. To this day, the problem is left unsolved since I tried the same thing before I came on here to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two XXXX XXXX accounts on my credit. Both are with a collection agency. I have disputed both accounts as I believe they are duplicate accounts. Theres no way XXXX XXXX would have given me 2 credit cards especially if one was delinquent. I have requested information such as payments and history, but the collection agency will not provide and the credit bureau basically says yes its yours.
Product: Debt collection

I was charged with a collection involving taxs for a specific county in PA for XX/XX/XXXX/XX/XX/XXXX All information presented by Sharpe collections was incorrect, false, misleading and not adequately vetted. Supporting documents proving the Tax 's where indeed paid where presented to Sharpe via mail. I have been repeatedly harassed by Sharpe for at least the last XXXX yrs. I have sent letters requesting them to stop harassing me and they continue to send out collection letters. Frankly I am writing this as a last attempt to have them stop harassing me or I will take this to an attorney. I DO NOT OWE ANY COUNTY TAXS. I like other people am sick and tired of being provoked by Sharpe collections with false and misleading information. I want them out of my LIFE ... ...
Product: Debt collection

My name is XXXX XXXX, and I am disputing a debt through HUD, that I feel OCWEN is responsible for. I have attempted to contact OCWEN and HUD many times. I am in the process of disputing this loan through the treasury department. When the property was sold, the attorney, XXXX XXXX was provided one loan number through OCWEN and I was never notified that an additional payment was due. I was never contacted by HUD representative during the time I owned the property. I feel that I am a victim of predatory lending and in immediate need of assistance as the next steps are garnishing wages. Please contact me as soon as possible.
Product: Checking or savings account

In early XXXX XXXX a fraud account was opened under my name, I came to know this after I received a letter from citizens bank to activate a new debit card I called the bank directly on XX/XX/XXXX I informed this is a fraud account, but it seems the fraudulent people were faster they opened 5 accounts under my name and start to issue fake cheques to my name all the cheques were bounced back unpaid, I called the bank 4 times every time I receive a letter from the bank. Because bank refuse to take action and close the accounts fast claiming they need more time for investigation, the result of their ignorance on XX/XX/XXXX I received a call and letter from XXXX collection company asking me to pay XXXX $ debt for a XXXX XXXX XXXX XXXX. please I need your help I don't know how to protect my identity after my personable information was breached by scam email on the internet, and these people could still open fraudulent accounts even if your credit report is frozen.