23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Twice in three days, my entire online account with Bank of America has been locked due to " the number of attempts to sign in exceeded the number allowed. '' However, none of these attempts were made by me. Each time, I received an e-mail from Bank of America saying that if these attempts were not me, I should call the XXXX number provided in the e-mail immediately. Upon calling the XXXX number, I was told by Bank of America that there was nothing to worry about, and I should just simply reset my password. I told Bank of America that I am worried because someone of something is trying to access my banking information. Additionally, I think Bank of America is also concerned ( or at least should be ) because I was sent an e-mail from Bank of America saying " Your security is important to us. If you are not aware of this situation, please contact us immediately at XXXX. '' I went on to tell Bank of America that if my security was indeed important to you, then help me understand more information about who or what is trying to access my most private of banking information. Unfortunately, Bank of America again just informed me that I had nothing to worry about, and that I should simply reset my password and move on. I again pressed Bank of America for additional information. I said you clearly know that there were attempts to log into my account that were not me, so you have additional information, and I would like that information. If you ca n't provide me with any information, can you put me on the phone with someone, maybe a supervisor, who can. Again, Bank of America simply told me not to worry and move on. In XXXX cases, I then asked Bank of America to notate my account that I was extremely concerned that someone or something was trying to get information about my banking, including a mortgage, checking account, savings account, and credit card, and I would request that a supervisor call me back within 24 hours. In XXXX cases, Bank of America told me that they notated the account, and that a supervisor would call me back. I have yet to hear from a supervisor, or anyone from Bank of America for that matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

May I ask why this account from XXXX XXXX is being reported on 2 CRA 's? 

XXXX last received payment, also see attached report, on XX/XX/XXXX. The account is not negative and is current. In your comment you state was closed by Credit Grantor? So I just dont see why you would want to keep reporting. 

Then for some odd reason, after 7 years mind you, I was making good payments again sometime in XXXX. That's amazing! 

XXXX account Account # : XXXX Equifax account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft! I am a real person this is not a credit reporting agency helping me I am a human being conducting this transaction personally there are XXXX accounts reporting in XXXX Trans Union/ and XXXX that are fraudulent! Ive reached out to them directly Several times the past XXXX years! As well as file complaints with the @ CFPB and the Federal Trade Commission Report Number XXXX : XXXX/XXXX/Transunion have not reinvestigated my dispute nor removed/blocked or complied with the CFPb or the FTC. The last explanation that I got for them not investigating my dispute was they said and I quote we didnt Investigate that is because you maybe had a third-party prepare or help you!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling Shellpoint Mortgage and leaving a voice message for XXXX XXXX for more than 1 week requesting him to call me because ShellPoint Mortgage has been reporting my mortgage late after the date of which they foreclosed on my home at XXXX XXXX XXXX, XXXX XXXX GA XXXX. The date of foreclosure was XX/XX/XXXX and they are showing late payments after this forclosure date. This is affecting my ability to get another mortgage. I starting calling XX/XX/XXXX and have called everyday for 1 week. We also sent an email XX/XX/XXXX to Shellpoint and received a message has been read but no response from Shellpoint Mortgage. I am attaching documents that prove my points. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to the Credit Bureau and they failed to respond within 30 days. I sent another letter explaining that they are violating the law and they are not complying.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. $ XXXXwritten off. {$760.00} past due as ofXXXX   XXXX. 
Status Updated XX/XX/XXXX Balance {$760.00} Balance Updated XX/XX/XXXX Recent Payment {$100.00} as of XX/XX/XXXX Monthly Payment - Original Balance {$1500.00} Highest Balance - Terms 34 Months On Record Until XX/XX/XXXX This item was updated from our processing of your dispute in XXXX. 

However this debt is unknown to me and was sold to a 3rd party collector. 
XXXX, XXXX, XXXX, & XXXX it has been paid in FULL by a judgement XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX vs. XXXX XXXX Case Number : XXXX Settlement Amount : {$1200.00} Creditor : XXXX XXXX XXXX XXXX. 
Firm File Number : XXXX I have tried to contact XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX for proof of settled account no reply. 

STIPULATED AGREEMENT was started XX/XX/XXXX for $ XXXX XXXX of {$1200.00} as of XX/XX/XXXX this has been completely settled. This account was never veriefied from XXXX but agreement with XXXX, XXXX, XXXX, XXXX XXXXXXXX was made and paid in full. 

Please remove any and all bad reported marks on this account for XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Thank you
Product: Credit reporting or other personal consumer reports

I'm personally lodging this complaint about late payments on my credit record. Upon review, I discovered these late payment entries. I sent letters about this over 30 days ago but have received no response or satisfactory validation. I'm requesting your help to quickly and effectively resolve this issue.
Product: Debt collection

I have sent a letter and to the credit Bureaus to validate this account that I have no knowledge of send a contract
Product: Debt collection

Debt was sold to a third party and i did not give permission to release my information to a debt collector. I am allowed under HIPAA to protect my privacy and medical records from third parties. Also the collector is not license in my state.
Product: Checking or savings account

My daughters cash app card was stolen from her purse along with license and other things. There were 13 transactions on XXXX XXXX XXXX {$100.00}, XXXX {$150.00} & XXXX {$50.00}. I disputed it with bank and bank said to contact cash app. I contacted cash app and my daughter did also to dispute the charges. My account should have not been connected to cash app card. I never received any response or compensation back from cash app totaling {$1300.00}. I lost this money due to Cash App not responding. I dont know what to do at this point. I am a XXXX yr old woman on Social Security, I can not afford to lose this money. I see that there is a case against Cash App for fraudulent transactions and telling people to go to their banks when its Cash Apps fault
Product: Credit reporting or other personal consumer reports

Violation of Consumer 's Right to Privacy You should be aware that I, the affiant, am a consumer with a right to privacy under Section 1682 ( a ) ( 4 ) of the United States Code. By disclosing private information about me without my written express authorization or any valid legal authority, ABSOLUTE RESOLUTIONS CORP. has breached my right to privacy.
Product: Mortgage

I have a mortgage line of credit with Bank of America. I became 3 months behind XXXX.BOA had me apply for a modification. It took until XX/XX/XXXX to get it approved, probably because they wanted to add on over 2500 in fees. The agreement was that I would make 3 payments of XXXX per month. I made all 3 of those payments. The XXXX payment did not go through because the representative entered the wrong routing and accounting number. 

I received a phone call today XX/XX/XXXX saying I was denied a modification. My payment is XXXX which means I technically owe XXXX. I paid the trial payments of XXXX. Technically I can go into foreclosure for XXXX? This is not right or ethical. I have been trying to work with BOA for close to one year now. I need your help. In fact, this is the second complaint I have sent to you about BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing this information since XX/XX/XXXX, Ally Financial continues to report inaccurate and constantly changing information. My account was reported as a charge off when it was paid in full. According to a letter received from Ally, It states that I called to set up a promise to pay on XX/XX/XXXX for the XXXX of every month, however, I did not make a payment on XX/XX/XXXX therefore breaking the agreement. But a payment was made on XX/XX/XXXX. Thats because I just set up the payment on XX/XX/XXXX and gave the person on the phone my card information but it was already after XXXX so the payment did not process until the next day! The response also states that the company reported the charge off in XX/XX/XXXX which is also inaccurate. It was not reported as a charge of until the final payment was made in XX/XX/XXXX.
Product: Credit card or prepaid card

Received XXXX XXXX XXXX XXXX XXXX XXXX  enabled by XXXX XXXX from New York Community Bank. No date on letter. 

Even though I eventually found info on the XXXX website, this appears to be a fraudulent attempt to get a consumer to open up an account with this bank. In the small print it says 'If you do not agree to all the Cardholder Agreement Terms, you should cancel the card by calling customer service and request your funds in the form of a paper check '. I called both numbers on the letter which took me through to the same automated line. When you press 1 to get through to Customer Service you get an automated message wanting your to put in the card number and activate the account. I tried to chat and it was difficult to get past the robot- it doesn't understand anything to do with 'cancel card ' or 'request check '. After typing 'speak to an advisor ' it told me there was a 2 minute wait. Every 2 minutes I got the same message about 6 times and never got to speak to anyone. 

After finding a different number on the XXXX website I called that and there was a an automated message saying if you wish to cancel the account, to call the XXXX Customer Service number ( XXXX XXXX XXXX ) and choose option 4. This time I got through to the correct automated message which allows me to cancel the account and said there would be a XXXX week wait for a check. The date I cancelled my account is XX/XX/2023. 

New York Community Bank are making every attempt to get you to open an account with them and agree to all their fees without making it easy for you to request your XXXX XXXX XXXX XXXX XXXX by check. This is a disgraceful practice and without further investigation I would have dismissed this as a scam and missed my payment from the XXXX, or opened a bank account unwittingly with all the fees that are attached to that.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours starting the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX  ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I reported as inaccurate : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX to go Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 XXXX 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 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: Checking or savings account

on XX/XX/2018 Bank of America closed my account and refused to release my funds to me. Several supervisors promised the funds would be available the next day however that never happened. I have approx {$500.00} in the account and I have electric bills, child care expenses. To this day BOA will not release my funds and I am subjected to electric shut off and other defaulted bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information might have been impacted by the Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

The credit bureaus XXXX & Experian & XXXX is reporting in correct information on my credit report I've disputed this information but it has not been corrected the account # XXXX it's been reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this information is incorrect I paid this account off with XXXX XXXX in full yet it is being reported as a charge off the amount of the balance is showing two different amounts the creditor involves XXXX XXXX XXXX XXXX XXXX XXXX XXXX both are reporting for the same account I have previous disputed these two companies on XXXX XXXX and Experian credit bureau But they failed to update my report I have contacted the XXXX XXXX  & the creditors and they confirmed the information is incorrect yet it's not updated this should be removed from my credit the incorrect information has caused my credit to drop significantly permitting me from obtaining a mortgage car loan the delay is correcting this area is causing financial harm
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion due to their failure to investigate disputed items on my credit report and provide requested verification details. On XX/XX/XXXX, I mailed a dispute letter to TransUnion via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), requesting specific information on how they verified the disputed items on my credit report. Despite following the proper procedures and providing my government-issued ID, proof of address, and a copy of my Social Security card , TransUnion refused to conduct the investigation on my disputed items, including a reported bankruptcy.

In my dispute letter, I requested the following information, which I am entitled to under the Fair Credit Reporting Act ( FCRA ) : The date TransUnion contacted the creditor or furnisher of the disputed items.

Contact information for the creditor or furnisher.

The name of the person who verified the disputed item.

The method of communication used to verify the information ( e.g., phone, email, etc. ).

Whether the creditor or furnisher provided my Social Security number, address, and date of birth during the verification process.

TransUnions refusal to conduct an investigation and provide this information violates my consumer rights under the FCRA, which requires that credit reporting agencies ensure the accuracy of the information reported and respond promptly to consumer disputes. The FCRA mandates that these agencies conduct a reasonable investigation of disputed items and provide verification details to consumers when requested.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure TransUnion complies with its legal obligations under the FCRA. I seek assistance in securing the deletion of all disputed items on my credit report due to TransUnions refusal to properly investigate and respond.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$480.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I do not owe this debt to Bank of America, it was a fraud check that was deposited due to a scam. They are reporting improper information on my XXXX report and I have tried over and over to resolve it I even tried a pay for deletion, I paid one but they did not delete off my report
Product: Credit reporting

Experian, In 2011 we filed BK and ever sence we have had very good credit but experian keeps filing on record what was filed in 2011 you can pull my report and see what they are doing, if this is the way that credit companys are allowed to operate than we do n't need federal laws concerning BK Heres a example of there report, Serious Delinquency and Public record or collection filed, proportion of balance to high credit on bank revoling or all revoling accoumts, number of accounts with delinquency too many inquires in last 12 months, note in the last 12 months I have made only XXXX requests and other requests were just made by companys for there info, the credit beaures have a obligation to assist people not ignoring what is sent to them they shoud be questing items when filed or advise people what is being sent, when BK is filed that should clear all back records on file and after 7 years record should be clean they are ruining a person credit by what they are doing. 
XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640 Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement o 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records.

Cc Consumer Financial Protection Bureau. Cc
Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Money transfer, virtual currency, or money service

Reference From Paypal : ID : XXXXAccount permanently limited XXXX XXXX received a letter from Paypal stating that I can no longer use my paypal account for no reason and paypal is holding my money USD XXXX up to 180 days or 6 months. I would like a fair resolution of this issue. I'm only using paypal for sending and receiving funds from my relatives abroad and salaries for my online jobs and I can see no excessive risk associated with my activities. 

Paypal must restore my access and must not hold my money as I need it asap. 
Please reinstate my paypal account. My email address is : XXXX. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to BARCLAYS BANK DELAWARE, yet BARCLAYS BANK DELAWARE is not removing this fraudulent account. BARCLAYS BANK DELAWARE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BARCLAYS BANK DELAWARE Bank has refused to do this. The following is the fraudulent account : BARCLAYS BANK DELAWARE XXXX which was open at an address which I have never lived at and it has nothing to do with me.
Product: Credit card or prepaid card

I am writing presently in wish to receive your help. At the present time I am working on reviewing my credit, paying down my balances, and pursuing better credit worthiness. You play a significant role in this procedure. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2017 and I am writing this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Product: Debt collection

Enhanced Recovery Company , LLC, ( ERC ) stated on XX/XX/2020 by mail that authorization was granted to report this fraudulent derogatory vague account to the national credit bureaus. In my opinion ERC and the original creditor are practicing professional malpractice and perhaps power by discrimination, by exploiting and targeting seniors by using public and third-party information to intimidate me to pay a debt that clearly does not belong to me. This convoluted situation is extremely stressful for me as I believe I may be a victim of Identity theft by ERC, and the original creditor that ERC is representing ( XXXX XXXX XXXX XXXX ).