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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit reports : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

XXXX  XXXX advertised the credit card as follows : " The XXXX  XXXX XXXX XXXX card NEW - XXXX bonus mile offer Get XXXX bonus miles plus XXXX  's Famous Companion Fare from {$120.00} ( {$99.00} fare plus taxes and fees from {$22.00} ) with this offer. To qualify, make purchases of {$2000.00} or more within the first 90 days of opening your account. '' I applied for the credit card and was charged more that 2000 dollars in the first 30 days but was told by " XXXX '' XXXX from Bank of America that my total charges did not equal the sum total of XXXX dollars because BofA 's policy is to subtract the service fee of XXXX dollars. Since the fee is unavoidable, advertising should explicitly say a minimum charge of XXXX dollars is required. This is the foreseeable outcome of their practices and the above listed advertisement is misleading and has the potential to defraud consumers by denying benefits that a reasonable applicant would conclude they were entitled to.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit 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 I request that my name be updated to reflect the correct information. 



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 XXXX  : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Mortgage

My lender kept opening an escrow account for the taxes they said I did n't pay. I got receipts of all my taxes that I paid and yet they are forcing me to pay towards an escrow while they take their time in resolving this issue. By the way this is the second time they are doing this to me. Next month I am force to pay an additional {$270.00} towards an escrow they said I owe? I called and fax all my proof of receipt and they did acknowledge that they got it but still wont resolve this issue.Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Product: Checking or savings account

On XX/XX/year>, JPMorgan Chase issued a cashiers check for {$6900.00}. The check was marked as delivered on XX/XX/XXXX or XXXX, but I never received it. I immediately called the bank to report the issue, and they advised me to wait 10 days for further action. On XX/XX/XXXX or XXXX, I called again, but the situation was still under review. When I called back on XX/XX/XXXX or XXXX, I was informed the check had already been cashed. 

On XX/XX/XXXX, I visited the bank and submitted a Declaration of Lost Cashiers Check form, confirming I never received or cashed it. Despite this, the bank stated the funds could not be recovered. I made multiple calls, yet the bank failed to cancel or freeze the check after my reports, and no resolution has been provided to date.
Product: Mortgage

I applied for a mortgage loan with my Boyfriend. We went through all the steps of underwriting, They had numerous approvals asking for some clarification or additional information, which we provided. On the last and final item the Underwriter asked for ( Bank statements for the previous 3 months showing that my pay-check went into the bank account ) I supplied more than the months requested along with the company payroll summary showing each pay-check and the Net amount of each check which lined up exactly with the supplied bank statements.

The underwriter then turns down my loan because he says I am married! I am NOT Married, I am single and Utah is not a community property state. The Underwriter waited until my earnest money was not refundable and I was set to close to make up that I am married. 

I took additional classes and training to be able to secure a good, salaried job and once completed I got a promotion. 

I have found out that the lender also completed a XXXX stating false reasons for his turndown and again making a false claim that I was married to owner of the company I work for.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON THURSDAY THE XX/XX/XXXX I CONTACTED XXXX IN REFERENCE TO INCORRECT INFORMATION THAT APPEARED ON MY CREDIT REPORT. THEY WOULD NOT HELP ME DURING THE CALL BUT REFERRED ME TO A REPRESENTATIVE THAT CALL ME BACK XXXX XXXX ( XX/XX/XXXX ). WHEN I ASKED THE REP TO HELP ME IN CHANGING THE INFORMATION SHE REFUSED CLAIMING ALL INFORMATION HAD BEEN VALIDATED BECAUSE YOUR INFORMATION IS PART OF OUR LEGAL DEPARTMENT AND WE ARE NOT CHANGING ANYTHING. THIS IS A CLEAR VIOLATION OF MY FCRA RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit reports that aren't mine.
Product: Credit card

Capital one stated that I had opened a credit card on XX/XX/XXXX. I have no knowledge of any credit cards opened by Capitol one in my name. I have not been able to be approved for a credit card since XXXX. Someone fraudulently opened an account or someone with a similar name was mistaken for myself. I had no knowledge of this account until I tried to apply for a loan and checked my XXXX  XXXX. Then it was transferred to XXXX XXXX XXXX who never tried to get a hold of me or call me nor did capital one. When I called Capitol one they said they had no knowledge and couldnt access my account. They didnt even tell me I had an open account. I dont even know the card number.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to get the company to deactivate my account and to clear all my personal records. I dont want someone hacking the company to get access to my banking accounts especially since I dont use their services anymore. 

They sent onerous list including a photo ID that they never asked when I signed on. All I want is for them to deactivate my account. If they want to confirm its me, they can send me correspondence on records they already have with me.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error. 

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized Disputed Inquiries : XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX has an FHA loan and submitted a completed package at the end of XX/XX/2015 He works for XXXX and on his paychecks that were submitted, it is noted that he received BONUS income called XXXX, a retention bonus offered by XXXX. It is offered XXXX a year but is not something that any employee can BANK ON. It is listed on his year to date income and on his taxes that were submitted XXXX Two years worth ). We have asked and answered this question verbally XXXX TIMES and sent in a signed and dated letter on XXXX XXXX. Bank of America keeps stating that this information has been submitted to the underwriter the day before but everyday I call ... .they say the same thing. We have been lied to time and time again or sent to a manager who is out of the office until XXXX XXXX. It is amazing to me how Bank of America can lie and lie on the phone and say they do n't have information that has been provided to them over and over and over again on an FHA loan. I have contacted the FHA resource center and they too do not respond. What is a homeowner to do when no one keeps these loan servicers in check. When a month goes by without a loan servicer processing a loan modification, the file goes stale and then the homeowner has to provide all the same documents they have already provided on a timely basis. Then it takes another month for the bank to review them and then lo and behold, they are stale again. We had these problems with Bank of America back in XX/XX/XXXX and in XX/XX/XXXX they are just as bad. Now they have a new process where to speak to the Customer Relationship Manager, one has to make appointment. I had an appointment today for XXXX and no one called. I called BofA to find out why no one called and they said sometimes the relationship manager is not in, but I should wait until XXXX just in case? What? I have to wait around for a XXXX for an appointment for the possibility that someone might call me? How does that work? NO ONE CALLED. So you call and get false information. You provide timely information that is ignored. You schedule a return call that does n't happen. Yes, things have returned to the good old days at BofA of really bad loan servicing and this is an FHA loan.
Product: Debt collection

I received a bunch of documents from the attorney XXXX XXXX XXXX XXXX, XXXX  ) representing XXXX XXXX XXXX XXXX XXXX with Account Summary and Payment Information. XXXX XXXX XXXX did not provide me, the consumer, with a Statement of Account. The attorney only provide an Account Summary from PayPal Credit. I believe that the account is over XXXX XXXX XXXX and the attorney is trying to collect payment after the State of Arizona Statute of Limitation.
Product: Credit reporting

I have disputed A fraudulent account with Experian, and an account with invalid late payments With all XXXX bureaus. I contacted both agencies and they verified that they were not reporting these inaccurate items to the credit bureaus, All XXXX of the Bureaus have failed to send any verification for the accounts. Experian has blatantly refused to further investigate the accounts in question. They have an inccorect account reporting of a bankruptcy on my credit that is causing harm to my credit and denials of credit because of this notation. The account is not mine it was reported as fraudulent to the bureaus they refused to remove it and it is also not even a bankruptcy on my credit. So they are incorrectly reporting these things to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX back in XXXX XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX Bankruptcy in XXXX XXXX. Instead of including the XXXX XXXX in our Chapter XXXX Bankruptcy we chose to have the XXXX XXXX XXXX reaffirmed. I only had four more payments left and the lease would end. Our attorney submitted the Reaffirmation Agreement to the courts on XXXX XXXX, XXXX. I appeared in court on XXXX XXXX, XXXX for the Order on the Reaffirmation Agreement. The amount of the debt to be reaffirmed was only the remaining payments due until the lease matured on XXXX XXXX, XXXX. The courts approved the Reaffirmation Agreement on XXXX XXXX, XXXX. The XXXX XXXX was then turned in at the XXXX XXXX Dealership in XXXX XXXX, Nevada on XXXX XXXX to the original creditor and the lease was complete and finished. The original creditor was XXXX. XXXX was then taken over by XXXX XXXX. XXXX, Equifax, and XXXX are all reporting that XXXX XXXX included the XXXX XXXX in the Chapter XXXX Bankruptcy which is incorrect and illegal not to mention it is also showing activity as of XXXX XXXX ( states closed ) which is also incorrect. The XXXX XXXX was turned in and given back to the original creditor with no remaining debt left to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank has refused to abide by Federal Reserve Regulations and National Clearinghouse Rules to obtain authorization in order to convert my payment checks to ACH. I filed a complaint with CFPB before, to which the bank responded by letter to me that it would not follow the regulations. I have paid all my credit card bills in whole but the bank has refused to deposit them and has instead reported me owing then, totaling over {$20000.00}, ruining my good credit. I am again filing a new complaint with the CFPB and, considering the bank 's written refusal to abide by the regulations, if the CFPB does not fine the bank at this second complaint when the bank again refuses to abide by the federal regulations I am going to appeal the CFPB decision to the Federal Courts of Appeal and name the CFPB as a defendant, and seek Injunctive Relief and damages. Previous CFPB No. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy in XX/XX/2019. In the middle of that, I was in an active Lemon Law claim with XXXX for an XXXX truck we had financed with Capital One Auto Financing. Due to the active lemon law claim, I decided to reaffirm the loan on the truck. I filed all the proper paperwork for my loan to be reaffirmed and it was successful when my bankruptcy was closed in XX/XX/2019. 

I have email proof from my attorney that indicates we reaffirmed this loan. I also have a document from XXXX that indicates that the XXXX XXXX was given back to them and the loan was paid in full by them under the lemon law. Capital One is incorrectly and negatively reporting this loan when it was paid in full, on time, as it was supposed to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : $ {$15000.00} "
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my back of America account was closed on terms of suspected fraud. I deposited a {$1200.00} check from my XXXX XXXX   account to my Bank of America and they put a 7day hold on it. I asked the branch manager to cancel the deposit and I will deposit it in cash the next morning in the branch manager. She said she couldnt cancel it since it was a atm deposit but it shouldnt matter it just wont go through. She did not give me the correct information which lead to my account being closed for suspected fraud. This is impacted my business tremendously. I can not open an account with another bank because Im in XXXX  XXXXBank of America gave me wrong information and its impacted my businesses future. No money was lost.. I would like Bank of America to reporting remove this suspected fraud from my report expeditiously. Please and thank you.
Product: Debt collection

I had a old account and XXXX XXXX is reporting this on my file when I reach out to tell them I had a account why in XXXX and that this was open fraudulently I was a victim of identity theft I have over 15 to 16 data breaches where my information has been stolen. I let XXXX XXXX know that the BMO Harris bank and the XXXX and all of the inquiries are not mine and I would like for them to be taken off. If not, I will have to resort in getting a lawyer. They can not give me a signed copy because this was opened up fraudulently online.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I am submitting this complaint to formally dispute a debt being reported by USCB Corp under Account # XXXX, with XXXX XXXX XXXX listed as the original creditor and an alleged balance of {$1200.00}. I have no recollection of entering into any financial agreement or contractual relationship with XXXX XXXX XXXX or USCB Corp, and I do not acknowledge this debt as valid. 

USCB Corp has failed to provide any documentation verifying their legal authority to collect on this debt. Reporting or attempting to collect a debt without proper validation is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This account is negatively impacting my credit report and has caused unnecessary stress. I have not received any documentation confirming the origin, legitimacy, or detailed breakdown of this alleged debt. 

To validate this claim, I am formally requesting that USCB Corp provide the following : Proof of their legal authority to collect on this debt ( per 15 U.S.C. 1692e and 1692f ).

A copy of their license or authorization to collect debts in my state. 

A signed contract or agreement between myself and XXXX XXXX XXXX proving the validity of the debt. 

A full and itemized account history showing how the alleged balance of {$1200.00} was calculated. 

Documentation showing legal assignment or transfer of the account from XXXX XXXX XXXX to USCB Corp. 

As stipulated in FDCPA 1692g ( b ), USCB Corp has 30 days from the date of this notice to provide proper validation. Failure to respond within the required timeframe will be interpreted as an inability to validate the debt. Based on the principle of estoppel by silence ( Engelhart v. Gravens ), lack of sufficient evidence will be taken as confirmation that this debt does not exist.

Any continued attempts to collect or report this unverified debt will be regarded as harassment and a violation of federal law.
Product: Debt collection

Invoice Date X/XX/17 {$130.00} Collection Firm : Tate & Kirlin Associates, Inc I just received a bill in the mail from Tate & Kirlin Associates, Inc. I have no idea what this is for. I do n't owe anything like this at all. I feel like it is a scam.
Product: Debt collection

Castle Credit has been calling my house supervisor at work, asking to call them on this number, XXXX ext. XXXX. They demand from me to pay my loan since its only the interest I was paying. When in fact, the water softener I financed with them created a problem as it was leaking and my neighbor complained about it. Instead of installing it in the garage, it was installed in an uncovered place outside my house. They have been calling my work and even my friends and I felt this is harrassment.
Product: Student loan

None of my Federal loans are in default and I had no idea they have been that way for the past three to five months my private student loans have been in default for over a year and they never sent me any documentation to let me know and now the turn my credit score down to XXXX and I have no idea that I could get that low. So now I ca n't even get a loan to get an apartment so I can get my own place. I think because they defraud me of my education in the classes were so poorly managed that they should just eat the loans that they have for me and wife might get out of my student loans completely. Oh yeah I went to XXXX XXXX by the way
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

XXXX and XXXX, a collection agency for XXXX, a XXXX XXXX NY newspaper called regarding a {$20.00} overdue bill I have. The caller, XXXX XXXX ( extension XXXX at XXXX ) was extremely hostile, abusive and rude. I told him my mother just passed away a few weeks ago, and he got even nastier. There is absolutely no reason at all for this company to behave like this. I do not have a credit card, so I am having my friend take care of this issue
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XX/XX/XXXX# XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XX/XX/XXXX XX/XX/XXXX