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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Received a call about owing {$10000.00} for a debt from  XXXX . They said it was some  XXXX  account with no details and reactivated in  XXXX  and a letter was mailed in  XXXX . The caller said that if I do n't pay him in  10  minutes then he would take me to court and sue me. I attempted to question where the debt came from and for what but he just insisted that he will just levy my accounts. He threatened me by saying I have you SSN, I know what bank accounts you have and I can see everything.   I researched online the company and it appears to be a scam company who constantly changes its name.
Product: Debt collection

I call multiple times in XXXX. I have yet received any information. I have called XXXX multiple times I have tried going to the post office them letters Ive filled out envelopes. Ill try finding errors in the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loandepot reported a payment 30 days late. I believe this is unfair, as outlined below : Summary of events.
1. XX/XX/XXXX : Received statement dated XX/XX/XXXX, which showed monthly payment of {$440.00} due on XX/XX/XXXX, with the grace period ending XX/XX/XXXX.
2. XX/XX/XXXX : Made monthly payment, but somehow accidentally indicated a checking account that I dont use anymore.
3. XX/XX/XXXX : Received statement dated XX/XX/XXXX, which indicated that the payment due XX/XX/XXXX was made successfully, and the next normal monthly payment due XX/XX/XXXX, with the grace period ending XX/XX/XXXX.
4. XX/XX/XXXX : Realized my mistake in # 2 above, and so immediately made the payment again.
5. XX/XX/XXXX : Received statement dated XX/XX/XXXX, the first time I was notified of any fees, and immediately made payment of {$500.00} to cover monthly payment as well as the fees.
6. Mid-XX/XX/XXXX : Noticed the 30-day-late reported on my credit report.
Apparently the original monthly payment that was due XX/XX/XXXX was deemed 30-days-late because the payment that I had intended to apply toward that amount owed was applied instead to later fees that I had no knowledge of. 

I believe it is inherently unfair to the consumer to report a 30-day-late payment to the Credit Reporting Agencies when the reason for the payment being late is that the payment was unexpectedly allocated to a more recent charge on the account ( the late and NSF fees generated by my clerical error ).
Further exacerbating this, I was given no notice of said fees until well after it was too late to avoid the 30-day-late status. I paid said fees immediately upon notice.
Product: Checking or savings account

I called Bank of America requesting a copy of the bank account that has my social security number and they denied me access to it because I dont have the account number.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. I would like to bring to your attention the following inaccuracies : XXXX. Incorrect Address : The correct address is XXXX XXXX XXXX, XXXX NH XXXX. I request that you update my address information accordingly and delete any information that is not the current address as listed above. Also delete ALL previous addresses on file. 2. Misspelled Name : The correct spelling of my name is XXXX XXXX. Please correct this error to accurately reflect my personal information and delete any name that is not listed as the name above. Also, delete ALL known as names on file. XXXX. Only Date of Birth : XX/XX/year> I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies as soon as possible. Enclosed with this letter, please find copies of documents that support the correct information : A copy of my driver 's license displaying my correct name and address. A recent utility bill displaying my correct address. I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information and have it corrected or removed within a reasonable time frame. I kindly request that you initiate an investigation into the inaccuracies mentioned above and notify me of the results in writing. Please provide a written confirmation once the corrections have been made to my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting the accurate personal information.
Product: Debt collection

Enclosed is a copy of my messages with my credit union : XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX, TRS Recovery Services, and XXXX XXXX XXXX all XXXX affiliates ) : RE : RE : Charge Dispute for XXXX/TRS Services Address XXXX XXXX XXXX XXXX  Date XX/XX/2019 XXXX XXXX Subject RE : RE : Charge Dispute for XXXX You can process a Revocation of Authorization. With the revocation of authorization you are making a legal statement saying you did not authorize the charge, date or amount. Processing the form will request your funds from Friday back. It will also prevent charges from XXXX coming through in the future. It needs to be in place 72 hours prior to the next charge for it to prevent future charges. The merchant does have six months to dispute the revocation. Provisional credit is usually given through this period. Please let me know if you would like for me to proceed. I will be out of the office Wednesday through Friday. 

Thank you, Member Service XXXX -- -- - [ From : XXXX, XXXX XXXX XXXX ) ; XX/XX/2019 XXXX ] -- -- - Yes I did but they outsource to a company that is called XXXX and XXXX Services who is doing the random charging. They said to submit a claim but is it possible to decline the payment they took on Friday? I did not authorize them to keep charging my account. They said it could take up to 30 days if they even give it back. I think this is fraudulent activity especially since they have overcharged me by about XXXX dollars. 

-- -- [ From : XXXX XXXX XXXX XXXX ; ] -- -- - Good morning XXXX. Have you contacted XXXX regarding the purchase price issue? That would be your first course of action. XXXX dispute phone number is XXXX. They will work with customers regarding charges or service. They should be able to help provide a credit to your account. It looks like you have provided your account number and the charges are being processed as an ACH debit, with your account number, to your account and not with your debit card. Please let me know if you have further questions. 

Member Service, XXXX -- -- - [ From : XXXX, XXXX XXXX XXXX ) ; XX/XX/2019 XXXX ] -- -- - I was recently charged by XXXX XXXX today for a dispute that was resolved and I am wondering if you may please reverse or deny a pending charge that was charged today ( XXXX ) in the amount of $ XXXX $ XXXX {$65.00}. In total, they have charged me {$200.00} for an order that should have only been {$60.00} ( with 2 return check fees of {$25.00} XXXX. I have also been in contact with the agency. I don't think they should be able to continually charge my debit card whenever they want. 

Thank you for your help. 

XXXX XXXX
Product: Mortgage

I am doing a loan modification with Bank of America. The trial period ended in XX/XX/XXXX with the permanent modification to start XX/XX/XXXX. BofA made an error in XXXX and took a little to get it resolved so a rep told me ( XX/XX/XXXX ) I had to make another payment in XX/XX/XXXX, which will go to my first permanent payment. I called to schedule the payment XX/XX/XXXX. 
Today I received a letter from BofA telling me to make my first permanent payment XX/XX/XXXX and a payment in XX/XX/XXXX is not required, but if I make it, it will be applied to the end of my loan. 
There is a big difference in " you have to '' and " not required ''. 
I called BofA to ask them to apply the payment to XXXX, but was told no and if I didn't make another payment in XXXX, the modification would be denied. 
I would not have made a payment that was not required.
Product: Credit card or prepaid card

Saw an online ad for a XXXX XXXX XXXX that I was interested in buying. Purchased online ( XX/XX/2021 ) at XXXX for {$65.00}. Payment was on my credit card but handled through XXXX  ( I did not use a XXXX account for the purchase ). I received an email from XXXX that showed XXXX XXXX XXXX XXXX as the merchant. Never heard from the merchant. I went on the website and found phone and email contacts. The phone is disconnected and the email bounces back as undeliverable. On XX/XX/2021 I contacted my credit card issuer, Alliant Credit Union. I filed a dispute and they sent a confirmation email. I have called them numerous times and they have still not credited my account even though every time I call they say they will do so. Please help me get a refund on my credit card.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX has been working on my credit for the last 5 years and sent in dispute letters, talk to reps at Transunion and XXXX XXXX credit cards. The score from trans union has place me in a set back because of turned down because of wrong score input and providing me a up to date score. My score has the biggest gap in the TransUnion report and the rest of the Bureaus 40 points or for, there want me to pay to update my score instead of doing it as company promised a 7 day undated report. XXXX  XXXX is in violation of removal of old credit cards amount. There keep changing dates and violated my fair credit acts for proper reporting. I e been turned down on a car I shouldnt have been and other credit cards because of the none reporting from both capital one and trans union. There is an investigation number in place for Transunion ( XXXX ). Also several calls and letters to show just for my complaints. XXXX  XXXX is not honor XXXX XXXX XXXX fair credit acts to remove any old credit that is over XXXX to XXXX XXXX XXXX must be removed. XXXX  XXXX keeps changing date of contract and sending credit bureaus the wrong information. XXXX  XXXX is out of XXXX  and have been bulling my fair credit in order to try to make me pay old charges from over XXXX  years or more. There still have not proved to the credit bureaus the corrections for Im asking for all XXXX  XXXX old charges to removed and deli-quite dates of any inquires soft or hard was done on there site with the promise nothing would be hard inquire and those are still on all three credit reports. 
Account
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX  Account Number : XXXX - Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

In XXXX BoA was doing another fraud that was not yet caught, which I've uncovered as they are now trying to foreclose on me to bury the issue. What they did was, in short, a " XXXX XXXX '' on home loans for a quick pumping of numbers. There is a whole mess of people w/ the same pattern of events where we, for a short time, had two open loans, 1 of which no 1 knew they had. It only became apparent when BoA 's servicing arm XXXX XXXX  tried to bribe me to sign a backdated deed of trust. While going back & forth w/ XXXX sending me different versions of the paperwork, 1 of their own employees told me to go to the title office, which I did 15 months ago & become aware that they had clouded the title. That was why they needed a " fresh ink '' copy of a XXXX deed of trust in XXXX w/ the XXXX dates along w/ their names on things. I already had to sue to try & prevent the trustee sale since BoA moved to end a forbearance via covid & bury this as I tried to find a firm that had a practicing attorney in the field and not going to tell me there is a conflict of interest w/ me before they would even hear any details ( 80+ firms now ). I'm doing this Pro Se & I fear they will just " out paperwork '' me. That being said, I'm doing my best as fast as I can, given the defendants are forcing things & setting the timing, which forces me to rush & ultimately leads to mistakes in my pleadings. So I'm going out for help ; I did send a note to the White House & Idaho 's different levels. Ultimately, I need to save my house, but I believe the only fair resolution is to break up BoA & bar all management from the banking industry, as was d1 to the CEO of XXXX XXXX. Since I had messaged for help before on other major issues & received no help, only suppression, I'm not expecting anything, but I thought I would give a heads-up given the XXXX  etc XXXX I'm hoping that I will not have to keep defending myself alone. XXXX XXXX. XXXX in 2nd district court of ID for reference
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally dispute and request an investigation of certain inaccurate and or negative items that appear in my file. Upon reviewing my records, I have identified the following items that I believe to be reported incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a XXXX XXXX. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance with the written instructions of the consumer to whom it relates. I the natural person have been suffering for XXXX  by being denied open-ended credit, and car loans for the enjoyment of my family. 
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of XXXX  and XXXX  authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states it's illegal to report transaction history. Title XXXX Also states anything dealing with a securities is an automatic XXXX XXXX XXXX. 

XXXX XXXX XXXX Initial privacy notice to consumers required. 
( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose XXXX  nonpublic personal information about the consumer to XXXX  nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. 
Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated XXXX XXXX ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate XXXX boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be XXXX  ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via XXXX XXXX or a process at your XXXX XXXX if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. 
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write XXXX or XXXX own letter to exercise that opt out right ; or
Product: Credit reporting or other personal consumer reports

This account was charged off XX/XX/2020. Then the report was repeatedly updated every month as charged off for 22 consecutive months in a row. A charged off account should NOT include an active payment history after the date it was charged off. This 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 account : XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes and erc is still reporting inaccurate information. I was not sent proper validation upon request. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Enhanced Recovery Company has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Enhanced Recovery Company. Enhanced Recovery Company is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Debt collection

This old debt from before XXXX for an Auto purchase loan for about {$2500.00} they now want {$12000.00} for this charged off debt. This Charged off debt is continually being sold from one collection agency to another. 

In XXXX the prior collection agency Asset Acceptance , LLC sued me and the XXXX XXXX Court dismissed the debt. 

About ever 12 to 15 Months, I receive a new threat of reporting me in collection to the Credit Bureau 's and to be sued from an other Collection agency that they have sold information. 

Attached is the current threat as of XX/XX/XXXX.
Product: Debt collection

I recently tried to get an apartment and wasnt approved due to this collections. 

I am in bankruptcy XXXX XXXX XXXX XXXX  and this never came up. I tried to settle but customer service wouldnt help. I had no knowledge of this collection until I was trying to be approved for an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of trying to fix my credit. Recently I've seen many inaccuracies on my credit report. I sent letters to all three bureaus transunion, XXXX, and XXXX. This process has taken to long. I have not received any response by mail or email. Pleased help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name : XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

I had an XXXX stolen which I turned into the police and got a police report. With the stolen XXXX, the thief got access to a crypto account ( XXXX ) and charged my account for {$14000.00}. They did XXXX different transactions that went through along with quite a few others, not sure how many because Bank of America did not disclose this information to me. 

I filed a claim on XX/XX/XXXX when I received a notice of possible fraud from Bank of America for XXXX separate charges from XXXX XXXX. Which I believe was also accessed through my XXXX. 

Bank of America denied the claim 3 days later. I sent in documentation asking them to reconsider. They reopened and closed the claim again. I sent in more documentation, along with the police report. The claim has been opened for 70 days now and not once has someone from Bank of America reached out to me for information. 

I have sent in the documentation on my own through their fax system and each time its been reopened. But not once has someone reached out to talk with me. 

70 days and not one word. This is a significant amount of money and it has really hurt me and set me back.