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

I have been a loyal BOA customer for decades, including XXXX mortgages, credit cards, and multiple business and personal accounts. I had a credit card with BoA which i hadn't used in years. Apparently a small charge appeared on it and auto-pay was not on. I never received a statement electronically or by mail. 

Having not used the card in years, i didn't think to check the balance and in fact assumed that i had auto-pay set, just like i do for every other card or bill. I found out later that BOA makes it extremely hard and confusing to set up auto-pay, whether on purpose or not i don't know ( i had to call and have someone walk me through all the incredibly obscure steps ). 

The charge become delinquent by 30 days before i noticed. This was reported to the credit agencies and this one anomaly caused my credit to decline by XXXX points. I am currently in the process of trying to buy a new home for my family and this reduction in credit score could literally be the difference in whether i can afford a mortgage. I appealed to BOA and explained this but was rejected. 

It seems impossible to me that something so XXXX as a slightly late payment on a random XXXX $ charge, caused by a horribly designed interface that hides options unless you first go through XXXX other unrelated selections, is going to ruin my credit and prevent me from getting a mortgage for YEARS. there has to be a way! i've tried to appeal the decision to BOA but they wouldn't even file a new request.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2019 Since then the account has repeatedly been updated as Discharged through Bankruptcy XXXX XXXXNever Late every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Bank # XXXX
Product: Credit card or prepaid card

I've asked wells fargo to stop the refund of {$720.00} from leaving the account, yet they've said that it was already processed on XX/XX/18 and that it can't be reversed whatsoever due to their system limitations. 

I'm frustrated that they're ignoring this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letter and credit report from other bureaus of the deleted information that they are reporting on my ( Equifaxs ) I sent in the deleted documents that they keep coming back wrong for XXXX for bankruptcy still Equifaxs not giving me any documents to where they claim the info come back verified 60 days later nothing change the accounts are Defamation of of my Character and not helping with Credibility I will like the to delete this
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up to my earlier complaint to block these items that lingers in my file : 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 want the listed items to be removed for they're erroneously reported.
Product: Credit reporting or other personal consumer reports

Chase Bank Credit card division allowed someone to register a new address for my credit card without any notification. It has now been over 30 days and they have not removed the false address from my credit report and I am continuing to get notifications. 

In addition, Chase does not have an option for time-based one-time passwords, but is instead using the much less secure text messaging. Are there any standards in place to require banking/credit card companies to use reasonable security methods?
Product: Mortgage

Green Tree has used extremely aggressive threatening and harassing collection tactics in its rapidly growing servicing business I, XXXX XXXX XXXX and XXXX XXXX my wife were especially vulnerable to Green Tree 's tactics because we were locked into a relationship with the company. So in order to remain in our homes, we, XXXX XXXX XXXX and XXXX XXXX, had to deal with the company abusiveness, threats and harassment for as long as it services our loans, regardless of how they treated us. Even now, our lives are plagued because of their actions of violating our consumer rights. Because of Green Tree 's routing system for handling incoming calls, consumers XXXX XXXX XXXX and XXXX XXXX, were routed to a collector instead of a customer service representative. We were told that our only option is to speak with collectors when we have questions or problems with our accounts. When we, as consumers reached Green Tree 's customer service representatives we were requested to schedule a payment before receiving assistance because we were behind on our mortgage payments. 
We, XXXX XXXX XXXX and XXXX XXXX Green Tree, were having difficulty paying our mortgages because of a devastating event, which accrued ; so we arranged for a short sale of our home but received no assistance from Green Tree and lost prospective buyers. As a mortgage servicer, Green Tree has the delegated authority from the investors who owned our loans to approve our short sale requests but refused and gave no reason why they would n't.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as a failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, 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 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

I've contacted XXXX, XXXX, AND TRANSUNION about the error on my consumer report. But they have yet to fix the problem. 
I've never lived at the addresses LISTED BELOW. 
1 : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX, TX XXXX. 
Could you please remove these addresses from my consumer report.
Product: Prepaid card

XXXX we're stolen out of my account. XXXX gave me a list of deposits made to boa And boa kept hidden from me. My statements show no sign of these deposits which they claim were archived files that my statements can't show but yet to they claim the XXXX was spent when they already knew my card was stolen and charged for purchases I didn't make. These were deposits I never saw in my account..i.requested proof of records from boa to show that these deposits were made into my accour. And how they were made out of my account. It's Been XXXX weeks they still haven't sent me my entire statements. Boa is supposed to give me provisional credit if in 10 days they can't finish their investigation. They have not done anything to reimburse me for my lose. They are crooks
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT ACCOUNTS EVEN AFTER BEING NOTIFIED. MY IDENTITY WAS STOLEN
Product: Credit reporting or other personal consumer reports

XXXX, XXXX. Refused to follow FCRA requirements which copy is attached. I have copied disputes found on my CFBP account records XXXX. I have disputed and was granted. Decision of Deleting accounts from off my credit report.continue remaining. Have provided police reports identification. These accounts still remain .nor change accurate found anywhere on my credit report my scores has decreased. While making payments on my accounts on time payments. I have fraud alerts place on my account. Question. Why is fraud alert in place.you are allowing companies to place wrong information showing on my credit report.. You requested dispute I have dispute accounts and received letter granting to remove these accounts. Instead finding these accounts were. Remove. And replace. I refuse to dispute any information. Now. Because how it has resolved. On my credit report shows company name XXXX XXXX this company is reporting to credit bureau incorrect. I have attached letter dated XX/XX/year>. Records showing no late payments. Anywhere, XXXX webbanks l disputed XXXX. Receive letters to remove these accounts and won and the letter attached stated delegation wasn't aware after you have disputed. .shortly these companies will have these accounts replaced.. I'm reporting these companies to FRCA so adit randomly be unplaced. Attack records belonw this information has already been disputed
Product: Credit card

I had two purchases from Amazon.com on XX/XX/year> for {$1200.00} each. However i returned both items afterwards in which one item was returned successfully and one seems to be lost in transit via UPS because the tracking has not been updated for several weeks. However Amazon refuses to give my my refund and when I contacted my bank Chase they refused to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts on my credit report are causing me severe problems in trying to purchase a home. 

I already reached out to Experian, XXXX, and XXXX. I will attach the letter I wrote to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/17 I noticed an item was placed on my credit profile for a medical bill that was never brought to my attention. XXXX ( {$750.00} ) I was never sent a bill, never was notified that I owed this money. As per my report it states it was a bill from X/XX/17 in which I did n't even visit the hosipital at that time. I want this item removed from my report as I have no Knowledge of the account nor was I even notified that this was being inserted onto my credit. I opened a Credit dispute on this issue with Transunion X/XX/17. I am awaiting the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis is in violation of the Fair Credit Reporting Act for reporting inaccurate and unverified information on my credit report. They have also committed aggravated by by sharing my information without my consent. By reporting this inaccurate information they are harming my reputation and hindering me from accessing credit, which is my right. They are reporting 4 negative accounts XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, and XXXX XXXX  XXXX XXXX ) on my report. XXXX XXXX XXXXXXXX is a closed account with a zero balance. It's no reason for it to be a negative account. XXXX XXXX and XXXX are accounts that having been charged off and they are no longer able to collect on these account. I have disputed both accounts pursuant to 15 U.S.C. 1692G ( b ) of the Fair SDebt Collection Practices Act. Both creditors failed to verify the alleged debt. Therefore, it is inaccurate for Innovis to report this account on my credit report. I disputed the XXXX bank account pursuant to the same FDCPA statute and they have also failed to verify the alleged debt. This account needs to be removed as well.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Equifax credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit card accounts opened at XXXX XXXX on XX/XX/XXXX under account number XXXX and on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Payday loan, title loan, personal loan, or advance loan

I have made four payments totaling almost {$600.00} and my loan went down {$59.00} I never was told that I would be paying all my interest upfront
Product: Debt collection

These people have no ID, no signature no proof whatsoever. I have been fighting this with them telling them identity theft has occurred but they dont listen or wont listen. Please investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting that I was late on an account that I have with XXXX XXXX XXXX, but I was never late on this account. I sent a letter last month and they have failed to acknowledge my letter and provide their method of validation. It is unlawful to report inaccurate information to a consumer 's report. I contacted the company and they stated that no one from Equifax has reached out to do an investigation. I know that this is true because there is no statement on my credit report acknowledging that I disputed this account. I am demanding that the late payment that you are reporting for XX/XX/, be removed and the account updated to paid as agreed never late.
Product: Checking or savings account

This bank opened an account for probate ( trust acct. ) without proper probate members ( family members ) listed by name on the trust paperwork. They weren't listed on the bank acct. Then distributed monies for anything requested by 2 or more parties upon request from said Trustee. This started shortly after my Mom deceased in XXXX. The executor of the acct. has WAIVED all HER rites to manage my parents legacy, according to all the lawyers retired and active, I have been seeking help with this 5 long years and counting ... ... This matter needs to be handled as quickly as possible, Please. I'm homeless due to her actions. I need a financial statement from the acct., in question, from a probate judge. Rabo banking in CA.
Product: Credit reporting or other personal consumer reports

There are fraudulent inquiries in my report that needs to be removed. I've been disputing these since last year. I know my right of having a fair credit report and yet Equifax is making it hard for me to have that right. this is against the law! i even submitted FTC, my license, my social card and yet they invalidate it telling me that i should file another FTC because i have more than 5 inquiries! that is illegal. i want these inquiries to be removed as soon as possible : FACTUAL DATA inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I filed an XXXX under XXXX XXXX back in XXXX of XXXX. It is now 6 months later and I continue to get the run around of the company " processing '' my application. They state there's a back log while I have friends that submitted theirs in XXXX of last year and have received there's a month later. I am now filing this complaint to get some real answers on what's going on with my application for XXXX under louisiana law.
Product: Mortgage

On XX/XX/XXXX, our loan was transfer from XXXX XXXX  to SPS for servicing. Due to my bankruptcy, there was an issue with my statements as the address on file was my attorneys address, once we rectified this, I got my first statement and I noticed an entry for Deferred Principal in the amount of {$7800.00}. On XX/XX/XXXX I called SPS and talked to XXXX asking for an explanation on the {$7800.00} deferred principal that was showing on my statement. She was unable to locate the reason for the extra principal but explained that this was something that was received from the prior servicer. She said she was sending a request to research and that I should receive something in the mail. 
I received the documents showing an adjustment for the same amount on XX/XX/XXXX but no other explanation. 
On XX/XX/XXXX I sent a letter with all the documents below asking SPS to for an audit on my Mortgage Loan and for a clear explanation with supporting documentation proving the reason of the addition. 
Attached the following documents : XXXX Form 1098 showing and outstanding mortgage principal as of XX/XX/XXXX of {$210000.00} XXXX XXXX # XXXX Statement dated XX/XX/XXXX with an outstanding balance of {$200000.00}. 
SPS Loan # XXXX Statement dated XX/XX/XXXX with an the following amounts : o Interest Bearing Principal of {$190000.00} o Deferred Principal of {$7800.00} o Outstanding Principal of {$200000.00} I did receive a letter stating they received my letter and documents but I have not received any information from them. Once again, My latest statement is till showing a Deferred Principal in the amount of {$7800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021, I mailed the following letter certified to Innovis : To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar device ; should be excluded from a consumer report.

Pursuant to 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, congress states ANY CARD and the credit card used is my social security card. My social security card was used to originate every consumer credit transition listed below : 1 ) XXXX XXXX XXXX XXXX ( # 1 ) 2 ) XXXX XXXX XXXX  XXXX ( # XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In conclusion and pursuant to 15 USC 1681a ( 2 ) ( B ), items listed above should be excluded from my consumer report and I DEMAND THEY ALL BE DELETED IMMEDIATELY as Innovis is in direct violation of my federally protected consumer rights under Title 15 Chapter 41. 
Thank you, The following accounts still remain : XXXX XXXX XXXX  XXXX ( # XXXX ) XXXX XXXX XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I was furloughed due to the pandemic, i have been trying to reach my mortgage company. I was hoping that they would work with me. I have emailed, called ( XXXX XXXX ) the 800 number and any numbrs on their website many times left messages and They do not respond in any way! Very frustrated as time to make my mortgage payment nears. This has always been the case with this comp should never have refinanced with them! Was extremely happy with Rocket mortgage.Its very hard to get a hold of anyone if i have questions or concerns. Yet they are quick to remind me of my approaching payment by text! Anyone reading this please do not trust Village Capital with your mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX entered into an agreement with XXXX XXXX , in XX/XX/2022 I disputed the fact that I have ever made a late payment, the data mining company Experian is reporting that I have been late which is negatively affecting my score. Experian states " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' The report does not meet the requirements per 15 U.S. Code 1692 this company is not reporting correctly.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Credit card

Old card from Bank of America expired and another card was issued but to the wrong ( old ) address. When I request the card to be send to my current address they sent a new one with a number different from before.

The different number is not a problem but now every transaction gets blocked by fraud department. I've contacted the bank three times, they unlock it but it locks again at the next transaction. 
When I try to contact the bank they keep doing the same process over and over again but it doesn't solve the problem. The last time I contacted them ( today at XXXXXXXX XXXX ) I told the operator the previous guy did exactly the same thing and he said that there's really nothing much else they can do. 
I tried to find a different channel to address this issue but couldn't find one on the website. 
I'm complaining here so that the complaint can get to the correct department to solve the issue ; the regular phone doesn't work and the operator also can't provide more information than the one already available to me.