23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Md XXXX XX/XX/XXXX XXXX XX/XX/XXXX Verification letter in response to letter received on XX/XX/XXXX. 






To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX GAXXXX Dear Consumer Center I have recently looked at a copy of my credit report and see that you are providing inaccurate information about a bankruptcy that was filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already confirmed with the courthouses that this bankruptcy was filed and I was informed that this information was not provided by them, as they explicitly stated that they don't report information to anyone.See exhibit A. 
I am positive my information was obtained from XXXX  to obtain inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to this bankruptcy is extremely inaccurate. My credit is being negatively impacted due to your neglectful reporting and I demand XXXX remove this bankruptcy from your system. It is not fair that you can simply snoop around and report only half truths and cause so much distress. 
You are in violation of my consumer rights under 15USC1681a ( 4 ) consumer right to privacy. This bankruptcy should not appear on my credit report. Congress says that I have the RIGHT to deem what is and isn't private and I DEEM THIS BANKRUPTCY TO BE PRIVATE AND THIS MISLEADING FALSE REPORTING Is giving me severe anxiety. You are liable for all damages and I am seeking litigation! 

Please remove immediately. 



XXXX XXXX
Product: Mortgage

In XXXX I obtained XX/XX/XXXX loan from XXXX XXXX. XXXX XXXX was the provider of the 20 %. In my research I found that they were affiliated with XXXX XXXX. I made a few payments on the loan and was unable to continue payments wit XXXX. I received a modification from XXXX XXXX in XXXX and I assumed that either this loan was forgiven or written off due to the modification received because all those years I never heard anything from XXXX. XXXX and behold in XX/XX/XXXX I received a transfer letter that it was transferred to West Coast Servicing Inc. 18 years later????? The statue of limitations to collect on a loan like this in my state is 5 years. ( see attached ) Even on the letter XXXX sent they state there is a window for them to collect which has passed. I wrote a XXXX to Westcoast on XXXX XXXX and have not received anything back. That is because this loan does not exist anymore. They have tried to offer me a modification with a XXXX interest rate, amortization of 30 years with a balloon payment in 10 years for over XXXX. They have also started a court action for foreclosure.IS THIS LEGAL???? Attached you will see the court documents I would like to know how a XXXX loan became almost XXXX if it was forgiven. The law sates on first mortgage in Florida its 20 years. There is nothing in the courts recordings that state either one owns this loan
Product: Money transfer, virtual currency, or money service

I went shopping on XX/XX/XXXX at the jewelry store, XXXX, located in the XXXX area oXXXX XXXX XXXX XXXX. While I was paying for my bracelet, a white man approached me and asked if I could resell my bracelet to him. He said he would pay for my bracelet through XXXX and would be willing to pay me an additional {$100.00} in cash as a bonus. we then made the transaction in person and he also showed me the receipt on his phone for the successful transfer. After a couple of business days, I confirmed that I received the money via Bank of America 's mobile app. 
In XXXX, I found I could not log in to my Bank of America mobile account. I went to the Bank of America office on XX/XX/XXXX to inquire and was told that my account was closed due to the risks associated with the above transaction. I was also told that the entire amount of this transaction, totaling {$2300.00}, would be frozen for no time frame. 
Over the course of the following month, I had numerous phone calls with multiple Bank of America departments. I was informed on XX/XX/XXXX that the amount of money involved in this case was transferred to me via XXXX different XXXX transfers by the person in question, the white man who purchased my bracelet, by way of embezzling from someone else 's XXXX bank account. Bank of America has returned this money to the original account.
Product: Checking or savings account

I need information on 4 checks from XXXX to XXXX, 2016-Ive called 10 times. I get hung up on after 30 minute holds. Contacted manager 5 times-no return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion to remove the inquiries that I had no knowledge of and the customer service representative did not help with the removal. I have sent letters to transunion, called the companies with wrong numbers that were given to me by the customer service representative from transunion and sent transunion letters for removal. 
XXXX  XXXX Miscellaneous XX/XX/XXXX TransUnion REGIONAL XXXX Bank XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion TRANS UNION Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX credit card has reported a miss payment to my XXXX credit report and also on XX/XX/2018 reported to Transunion and XXXX with inaccurate and obsolete information thats shows on all 3 credit bureaus and they will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to determine what the charge is for. I need more information regarding the account but XXXX  and Transunion did not respond.. I request that you send me the name of the creditor to whom the debt is owed, the contract bearing my signature and all other important documents that my prove that I owe this company. If you can not provide it, delete the accounts XXXX XXXX****, XXXX/XXXX XXXX****
Product: Debt collection

In XXXX SWC contacted me via mail about a debt they said I owed. They offered to settle the debt for an amount close to the amount owed that I could pay online to settle this debt. I went online and paid the settlement amount listed in the letter. Two months later they are reporting to all three credit bureaus that I am late and have a balance owed. They are the ones who offered to settle not me. If that was not the case then they should have not sent the letter. I will not be robbed by this predatory company that doesnt know how to properly conduct business.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XX/XX/XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit card or prepaid card

I used convenience checks on my Barclay MasterCard for home improvements I did in XX/XX/XXXX. One was for the amount of XXXX. On the following statement charge appeared twice. See attached XXXX statement. Contacted recipient who confirmed he received only the XXXX amount so the problem was with Barclay. Spoke with XXXX ( no last name ) in XX/XX/XXXX and given case number XXXX. Then on XX/XX/XXXX spoke with XXXX who confirmed it was an erroneous duplicate charge and assured me it would be resolved. 
The charge was then reversed on my XX/XX/XXXX statement but then was RECHARGED on my XX/XX/XXXX statement, inexplicably. 
I have since contacted them twice, on XX/XX/XXXX and spoke with XXXX XXXX identified as XXXX ) who verbally acknowledged this additional error and assured me it would be reversed, this did not happen. 
Called again on XX/XX/XXXX and spoke with XXXX ( XXXX ) with no action taken. In each instance I have called I have been mailed a letter saying we are unable to help you at this time. 
I hope you can help me. This has caused me severe emotional distress and I feel I am being intentionally ignored and feel completely defrauded and victimized by this horrible bank.
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 Name : XXXX  XXXX # XXXX Account Name : DPT EDXXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX XXXX 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, credit repair services, or other personal consumer reports

Went on my financial institution credit report in found a fraud account opened and reported outstanding balance of {$2200.00}. Called the company listed CREDIT CONTROL LLC and was told they can not look me up with out giving them my XXXX and SSN # Research online shows that it is scam. I be this is either a scam or fraud.
Product: Debt collection

Upon reviewing my credit report from XXXX  on XX/XX/2019 I found gross discrepancies that I have attempted to resolve in the past. I am left with no choice but to file formal complaint against three companies and inform all notified of my intent to litigate if not resolved. Both LVNV Funding and XXXX XXXX XXXX are attempting to collect on a Tradeline from XXXX XXXX XXXX with the partial account number beginning with XXXX. First, there IS NOT a XXXX XXXX Tradeline reporting on my credit file. Second, how are TWO ( 2 ) collection companies attempting to collect on the same account? Lastly, in addition to the above gross violations of the FCRA, these companies are attempting to collect two different amounts, for the same bank, with the same account number. As all involved parties should know, credit trade-lines must be reported with 100 % accuracies or be REMOVED from the consumers credit file.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 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. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

First point. Reached out to me about a week and half ago. I am still waiting on them to provide me proof. That I owe them XXXX XXXX and XXXX . They provided me with a signature pdf. But unfortunately I havent received anything as far as where I owe them that amount listed.
Product: Credit card

Dear Sir/Madam, I am writing to file a complaint against the issuer of the XXXX XXXX XXXXXXXX XXXX for misleading advertising and failure to honor a promotional bonus offer. 

I applied for this card influenced by an offer stating, " Earn XXXX bonus points after spending {$1000.00} within the first XXXX billing cycles. '' ( XXXX XXXX XXXX XXXX After fulfilling this condition and spending {$1000.00}, I was denied the bonus points. The issuer excluded the {$99.00} annual fee from the qualifying spend, a detail not disclosed in the advertisement or the card agreement. 

This omission, I believe, constitutes deceptive advertising, leading consumers to make decisions based on incomplete information. My attempts to contact them and resolve this with the issuer have been unsuccessful. 

Thank you for your attention to this matter.
Product: Mortgage

On XX/XX/XXXX, I added {$800.00} to my escrow to make sure I had enough to cover property tax and insurance. I do this every year, but this year Village Capital removed {$1300.00} from my Escrow on XX/XX/XXXX and increased my mortgage payments to {$1100.00} beginning XXXX XXXX XXXX At that time, my Escrow had a balance of {$3300.00}. When I contacted them on XX/XX/XXXX to inquire about the removal of the funds from my Escrow and the increased in my mortgage payment, I was told that an Escrow analysis was done and that I should receive my check within 30 days. I did not have a shortage, infact, I just added {$800.00} on XX/XX/XXXX to ensure that my Escrow had more than enough money to pay my insurance due on XX/XX/XXXX and property tax due on XX/XX/XXXX to prevent my mortgage payment from increasing since I am now retired, so why the increase when I did not have a shortage. No documentation of this analysis was provided or placed in my account. The last analysis documentation was done on XX/XX/XXXX, funds were my pulled from escrow and payment increased XXXX  When I called Village Capital at that time, my payment was {$970.00} and increased to {$1000.00}, I was informed that it doesn't matter how much money I put in my Escrow that my payment will never returned to that amount and that it will increase each year, which is exactly what is happening now. 
On XX/XX/XXXX, I called Village Capital because it has been more than 30 days and I still have not received the disbursement check and was told that it will not be mailed until XXXX, no date provided. Why is my money being held for more than 30 days makes me think that Village Capital is holding my money for company profits. I know that Escrow should never be managed in this manner. I have a VA Loan and all payments are made on time, but if they keep increasing my mortgage payment every year, I am afraid that I will lose my home.
Product: Checking or savings account

I was notified by form letter via USPS by XXXX XXXX County Treasurer on XX/XX/XXXX that my property tax payment had not been received for a payment due in XX/XX/XXXX. 
I had mailed the check in person from the Post Office on XX/XX/XXXX. 
The check cleared my account at Bank of America on XX/XX/XXXX. But when I requested a copy of the check and examined it, I realized the Payee 's name had been altered and the check in the amount of {$13.00}, XXXX was cashed fraudulently. I assume the check was stolen en route between the Post Office and the Treasurer 's Office. I immediately notified Bank of America and filed a police report with City of XXXX XXXX where I am a homeowner. 
According to the bank manager I spoke with at my branch, the check was cashed by the bank with no identification. My report and request to Bank of America was denied due to the fact that I reported the theft after their 60 day limit. Because the check was cashed for the amount I wrote it for and there was no other fraud and I was not notified by the County Treasurer until XXXX, due to national Covid emergency, Bank of America refused to reimburse me for any stolen monies through no fault of my own.
Product: Credit card or prepaid card

I previously filed a complaint with cfpb and was found not at fault. The company sent an apology letter but still hasnt refunded my cash rewards balance and have persisted in billing and charging me interest after I payed and closed the acct and has filed negative report to credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received feedback from a XXXX agent stating that my loans may be forgiven back in 2022. After that phone conversation, I never received any status updates ; however, my loans were never forgiven. 

I worked in public service as a classroom teacher for 15 years, in high-risk schools throughout my career. My Teacher Loan Forgiveness and Public Service Loan Forgiveness applications have been rejected multiple times. This has happened even though I qualify for forgiveness. 

The school, XXXX XXXX, where my student loan debt amassed, has permanently closed ; yet I still carry a hefty student loan debt, ( with no loan forgiveness granted ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report agencies state that these accounts were properly investigated and came back as verified. however, is not true there's several inaccuracies showing in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX This account has many violations and inaccurate information. The dates reported on all bureaus are different. The dates of last activity for all 3 bureaus are different. The last payment for all bbureaus are different. This account is violating my consumer rights and must be deleted immediately.

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX CARD XXXX, XXXX XXXX DEALER XXXX XXXX,
Product: Credit reporting

Made complaint several times about Bankruptcy and incorrect addresses but still remains. Contacted XXXX XXXX court, attached letter. They did not validate information. Also incorrect address, never lived at XXXX XXXX XXXX XXXX XXXX Maryland. Experian never or other party never investigated or validated information. See attached letter from Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX XXXX {$900.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$11000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$3200.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$9200.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$4000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$4600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$5400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5500.00} XX/XX/XXXX SELF/XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX {$21000.00} XX/XX/XXXX XXXX XXXX  XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX {$4000.00} XX/XX/XXXX