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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$7300.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXXXXXX Owed : {$410.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Report I am writing to formally dispute inaccurate information that remains on my credit report, despite previous attempts to have it corrected. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for similar issues, including failing to properly investigate disputes and report accurate information. I am experiencing the same violations, which negatively impact my credit profile and financial well-being. 

I request that you : Conduct a proper investigation in compliance with federal law. 
Remove or correct the inaccurate information immediately. 
Provide me with a written confirmation of the changes or an explanation if the information is not updated. 

Failure to properly investigate and correct these errors may result in legal action, as evidenced by the CFPBs lawsuit. Please complete this investigation within the 30-day timeframe required by the FCRA.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide a response to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I submitted a dispute to Equifax in regards to a collections account which is hindering me from purchasing my first home. I did not recall having an outstanding collections from a medical provider nor had I received any notices in the mail. I then sent a letter asking for Equifax to advise me of the names and addresses of the medical provider, the dates and types of services that were supposedly provided. I also asked Equifax to please provide me with the name of the person that provided the data and the manner in which the data was provided. 

After waiting almost one month, I received a reply from Equifax which just stated " verified and account belongs to you ''. It was devoid of any of the requested information that I asked to be provided to me. As of XX/XX/2018, I'm still trying to have this information deleted to no avail. I have not been able to be qualified for a home loan and I believe that's it unfair to damage a persons report. I have provided my initial request to Equifax and their response. I'm seeking help. 
Thank you for taking time to read this email.
Product: Mortgage

I have been trying to do a short sale on this property since XXXX/XXXX/XXXX. Every time we submit documents, the servicer says they can not move forward because the foreclosure sale date is too close. So, either our attorney or the servicer goes to court and requests an extension. The extension is granted and I try to move forward with the short sale. The servicer again says they need more time, so the short sale is denied. I just called them, after getting an extension to XXXX/XXXX/XXXX, and they said they need at least 6 weeks to complete a short sale and said they want it to foreclose, they wo n't do the short sale.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX has violated my rights. Or 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: Debt collection

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXXILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Product: Debt collection

Reference previous Complaint number : XXXX I was not given complete and accurate information of the following issues : 1 ) What date was the equipment actually taken to auction? 

2 ) Please provide copies, cost, and any other information regarding all advertising for sale. 

3 ) Since I was never informed that the equipment did not sale at auction on XX/XX/2017 ( date I was given for the auction ) .please provide date and proof of sale. 

4 ) When was repo title applied for and obtained. Please provide a copy of the repo title.

5 ) Since there were no mechanical issue with the truck at the time it was returned, exactly what repairs were deemed necessary? Please provide original receipts for all repairs done to the equipment 6 ) If body work was done to the equipment, please provide original receipts of repairs as well as before and after photos.

7 ) Please thoroughly explain how you calculated the amounts given on form 1099A.

8 ) Please justify yourself in selling a piece of equipment valued in excess of {$160000.00} for {$120000.00} NOTE : Since I am being asked to pay a balance you show of approximately {$8500.00}, I feel I am well within my rights to ask for proof of any and all monetary expenses incurred after the equipment was returned to BMO Bank.
Product: Credit card or prepaid card

I am currently on a UI claim through CA EDD. On XX/XX/2021 I had {$1000.00} debited out of my Bank of America account at an ATM in XXXX, CA. The entire time I had my card with me and was at work. I immediately called Bank of America, filed a fraud claim, was told I would receive my {$1000.00} back within 10 days and have my claim resolved within 30-45 days. Meanwhile, I received a new EDD prepaid debit card and tried to activate it on Friday XX/XX/2021. My account was closed due to the fraud claim and I was not able to activate the card. I called EDD to see if something had happened to my claim- my claim was fine. I verified my ID and had the EDD send that verification to BofA on XX/XX/2021. During that time I was also calling BofA to see what I could do to open my account. I was getting various answers from the representatives and constantly being shuffled between EDD and BofA. My claim was officially closed a week after I reported the fraud and no money was ever returned to me. I requested paper checks from the EDD but have yet to receive my money via paper checks ( certified XX/XX/2021 and am still waiting ). On XX/XX/2021 Bank of America told me that my account info had been sent to their back office for review but they do not have an estimated time frame as to when my account would be reopened. I have spoken to numerous Tier 2 representatives who have all said the same thing, that " they do not know when my account will be opened. '' Without my account being opened, I am having a more than difficult time getting funds from the CA EDD and have not been able to open my fraud claim/ get my {$1000.00}. One BofA agent warned me against opening a fraud claim, saying " Be careful about opening another fraud claim because the EDD could freeze your account again. '' However, it is BofA that won't release the freeze on my account. I have reached out to my local representative in hopes that they help me get this resolved but they told me it might take 6-8 weeks or longer to hear a response ( XX/XX/2021 ). I also have gotten the number for Bank of America 's legal department and am considering getting a lawyer if this continues.
Product: Vehicle loan or lease

+ Payment - MyAccount ACH XX/XX/XXXX {$300.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$360.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$200.00} {$13000.00} and this is what I have paid they have the wrong amount on when it's supposed to be the remaining balance of {$69.00} plus an {$18.00} late charge fee which all of it comes out to {$87.00} due on XXXX and they have on hear another {$360.00} due on XXXX and I gave them {$300.00} on XXXX already and just owe {$87.00} they have not fixed the problem yet and I still see a balance on their of {$360.00} due XXXX when it supposed to be {$87.00} when I have already given them {$300.00} and I told the head manger name XXXX XXXX XXXX and even gave her just now the information with last month payment of {$360.00} which I paid on XXXX and when I click on the interest it said {$360.00} no late charge fee on it nothing and I sitting here telling that to the customer service Payment - MyAccount ACH XX/XX/XXXX. 
{$300.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$360.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$200.00} {$13000.00} and this is what I have paid they have the wrong amount on when it's supposed to be the remaining balance of {$69.00} plus an {$18.00} late charge fee which all of it comes out to {$87.00} due on XXXX and they have on hear another {$360.00} due on XXXX and I gave them {$300.00} on XXXX already and just owe {$87.00} they have not fixed the problem yet and I still see a balance on their of {$360.00} due XXXX when it supposed to be {$87.00} when I have already given them {$300.00} and I told the head manger name XXXX XXXX XXXX and even gave her just now the information with last month payment of {$360.00} which I paid on XXXX and when I click on the interest it said {$360.00} no late charge fee on it nothing and still, they are saying that I owe {$360.00} due on XXXX when I have already paid them money of {$300.00} and I just owe only {$69.00} plus {$18.00} and I just got off the phone with them and my XXXX XXXX went up because of them and their telling me like when I get an extension I have to pay for that but nobody never said anything to me when I have gotten an extension all that I was told like when I make my last finale payment in XXXX I will have to pay off that amount that I owe and since when have anyone has to pay for that extension. and not to mention that Westlake Financial is the worst business on XXXX XXXX XXXX and they tell me when I pay half of my car note it charges for late fee and interest but when I add money to my account it's going to let me know what the correct amount that I owe plus the late charges because I have done it before to where I put {$200.00} and it left me with the remaining balance of {$160.00} pass due and they still won't correct the issue.
Product: Debt collection

We agreed on a monthly payment plan of {$400.00} a month for my outstanding medical bills from a hospital visit. After three monthly payments that were all made as agreed and on time I was able to get payment from my health insurance company and paid off over {$4900.00} in one month. They then attempted to collect the remaining {$260.00} the next month and said that I was late paying. I said does n't the {$4900.00} payment mean I 'm months ahead of schedule and she was rude and said it does n't work like that. This is not the original agreement at all, I 've paid well over {$400.00} a month and am close to paying off the entire amount a year early! I do not like being threatened to go to court or have my wages docked after making a payment of almost {$5000.00}! These people should be struck off. To add insult to injury NONE of this was my fault but the fault of my health insurer messing up with the billing. They gladly admitted this and cut a cheque as soon as it was pointed out.
Product: Mortgage

Between XX/XX/XXXX and XX/XX/XXXX Bank of America ( BoA ) reported late mortgage payments to XXXX. XXXX downgraded my credit score. I received copies of my statements in XXXX and XX/XX/XXXX, and was able to show BoA where they were continually applying payments to the same month ( XXXX ). BoA assured me the problem would be fixed and my credit rating restored. My credit rating was never restored. 

BoA has now reported late mortgage insurance payments to XXXX four times. The mortgage insurance was paid! 

I have discussed both issues with BoA. 

I am not the primary on this mortgage ( spouse is primary ), yet BoA only targets my credit.
Product: Credit card or prepaid card

A Consent Order ( File No. 2017 XXXX XXXX  ) was administered in XXXX and directly effected me and my family. A small monetary compensation was provided but I am still feeling the effects three years later, however it is correctable. The inaccurate credit reporting lead other creditors to lower credit limits, increase interest rates, decline mefor credit, etc. Therefore, even after the consent order was complete the effects are still impacting me. If I can step by step rebuild where I was before this catastrophic financial event. My request is to increase my credit limit to where it was prior to this which was {$7900.00}. Currently, it is {$6100.00}. This decreases the usage rate which impacts my credit score which makes me as creditworthy as I was before this error documented in the consent order took place.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


1ST FRANKLIN FINANCI {$1000.00} XX/XX/2013 XXXX
Product: Debt collection

I received a letter by mail that was sent to my forwarding address to my po box when I got the letter from Contract Callers it stated that I owed a balance in the amount of {$200.00} the company provided a response letter that I could respond back by mail disputing the debt. I responded back with the letter they sent out also I provide documentation that I had made a payment on account and also XXXX XXXX XXXX XXXX had made last and finale payment on this account before I had the service disconnected due to move out on XX/XX/2022 then I received calls about debt and said that the debt will be reported to credit bureau. The debt was reported on my credit and have damaged my credit.
Product: Debt collection

Received a letter from XXXX XXXX XXXX : Current Creditor XXXX XXXX XXXX stating that I owe XXXX. They informed me that because the Law limits how long you can be sued on a debt XXXX XXXX XXXX will not sue me and will not report it to any credit reporting agency. So XXXX XXXX XXXX has placed this account with XXXX, they are asking for XXXX XXXX time payment and the matter will be closed. I am a XXXX employee whose data was hacked twice, This Debt is not mine.
Product: Checking or savings account

I deposited a check for XXXX dollars on Monday XXXX in XXXX CA. Bank of America both told me orally and it is written on the deposit slip that I will have the funds on available in two days. It is now wendsday XXXX and the funds are still not available in my account. Now my bills will go late and Bank of America is going to charge me and overdraft nsf fee due to there deceitful behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts I have filed many disputes and have called many times trying to get this fraudulent account and six fraudulent inquiries removed. And I have had nothing done. I also have the police report number. Accounts & inquires 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
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX To Whom It May Concern : This is my second time writing to you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX, XXXX XXXX
Product: Bank account or service

I always pay my bank of America bill on the due date at night once I get home from work and get my family settled in for the night. Last month, I did this and it said the system was down for maintenance. I spoke with a customer service rep who said no late for would be added since it was their fault. So I called the next morning and paid the bill. Again I spoke to a customer service rep who said she could not see where a late fee had been added but to check my bill and let them know. I got my bill this morning and there was a late fee. So I called a third time, the woman I spoke with waived the fee but advised me that I needed to pay in the morning or a few days early because they always do maintenance at night. I explained to her that night was the most convenient time for me the customer, and if that were the case then they needed to move my due date. She then tried to set me up on automatic drafts, I explained that I was perfectly capable of keeping up with my finances better than they ever could. She told me that they had advised me of the fact of the updates at night and they would not be able to waive the late fee again. I would like to write someone a message or email at bank of America but there is noway to contact them other than by phone or writing, so here I am. Updates should be done between the hours of XXXX and XXXX to avoid inconveniencing the customer and adding a late fee when its their fault. I have never had a customer service rep be so rudde to me and tell me it was my fault when I tried to pay the bill on the due date but it was their system that decided to update on my due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report XXXX and I discovered an unrecognizable account on my profile from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX date opened : XXXX amount : {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not access EXPERIAN Dispute Center online for the past year. " We're experiencing technical difficulties and can not access your report at this time '' is the message that perpetually appears. 
Furthermore, no one answers EXPERIAN 's published phone number ( XXXX ). Customer courtesy and service is totally lacking. 
Why should consumers have to purchase an envelope and stamp and go the the Post Office to register a Dispute in these troubling times?
Product: Debt collection

Somebody stole my identity they took my wallet and started using my ID and my debit cards
Product: Credit reporting or other personal consumer reports

Noticed an inquiry on my report that I don't recognize. 
XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

I have called regions bank due to a fraudulent account that was opened using my information. I informed them that I am a XXXX of XXXX XXXX and no one is willing to help me close the fraudulent account and report this as identity theft. I will not be responsible for fraud committed on this account as I have completed my due diligence by informing the company of the fraud that has happened. They are to be responsible for all damages caused to themselves and to my credit by being negligent when identity theft is reported.