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

I have submitted all the document to TransUnion that they requested, and I have also included them as attachments HERE MULTIPLE times regarding my bankruptcy case, showing that XXXX was listed in the bankruptcy, notified, and DISCHARGED. THAT MEANS that XXXX  CAN NOT SELL A DEBT TO XXXX, so BOTH XXXX and XXXX need to come off my credit report immediately. 

TransUnion even went so far as to block me from being able to log in on their websites and when I called them, they said I was " ineligible '' for online services. I don't know how anyone can be deemed " ineligible ''. A company can collect and keep MY personal information, information that affects MY life, and yet they can BAN me from seeing it, even if I am willing to PAY for their services. 

They will also only let you dispute 1 item at a time, which is also WRONG. So, I have no choice but to continue to complain and force them to do their job through CFPB. 
Attached are all the supporting documents showing the bankruptcy, on PAGE 19, XXXX was listed as a creditor, the discharge from the court says ALL student loans were discharged. XXXX DID NOT show up to the meeting of the creditors to stake any claim. They can not sell off a discharged debt 3 years after bankruptcy. THEY ALSO can not CONTINUE to report it as COLLECTION or LATE PAYMENTS! WHILE AT THE SAME TIME, the COLLECITON COMPANY is doing the SAME THING! 

THIS should be MORE THAN ENOUGH to ONCE AGAIN show that these companies are breaking EVERY FAIR CREDIT REPORT ACT law, not to mention the PROTECTION that was GIVEN TO ME by the UNITED STATES BANKRUPTCY COURT when the CHAPTER XXXX Bankruptcy was discharged. 

REMOVE XXXX AND XXXX  from all credit report agencies IMMEDIATELY and let me have the protection that was RIGHTFULLY given me under BANKRUPTCY law. If XXXX bought a bad debt from XXXX after discharge, they need to take that up with XXXX for breaking BANKRUPTCY law. THEY are NOT allowed to come after me 3 years later just because XXXX chose to try and send it to someone else after Bankruptcy to try and collect on. I am tired of XXXX and XXXX reporting this as COLLECTIONS/PAST DUE. I WANT THEM REMOVED IMMEDIATELY!
Product: Debt collection

I received a collection from a collection agency named TRANSWORLD SYSTEMS INC. They are asserting that I owe them {$310.00} for a debt with XXXX XXXX. I do not owe XXXX XXXX nor Transworld any money. Now this has severely affected my credit.
Product: Bank account or service

Threatened by Bank of America ( BofA ) with foreclosure proceeding regarding a HELOC account in which I was behind on my payments. i was sent a letter from BofA on XXXX/XXXX/16 listing 5 options available to me from BofA to prevent a foreclosure sale of my property which I have owned for 30 years. Option 1 was a " Full Payoff '' which I decided to do. I asked for a payoff statement and received it on XXXX/XXXX/16 which was good thru XXXX/XXXX/16. On that statement was an additional amount of {$4000.00} added by the bank as " uncollected fees ''. In talking to someone at BofA they stated that was for a loan modification. I had called the bank on XXXX/XXXX/16 telling them I would be sending a full payment and did not want to do a " Loan Modification ''. I was told not to worry as the {$4000.00} fee would be deducted if a " Full Payoff made. I sold my house of 30 years to an investor who paid Bank of America on XXXX/XXXX/16 the full amount owed including the Loan Modification fee. I have been trying to call BofA for the past 5 days to discuss this issue, but I am unable to get thru to a live person. All I get is a recorded messages which send you in an endless circle of transferred calls. Any help you can provide would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian had emailed me for an entire month asking me this renew my credit monitoring membership. I did not respond or renew for 1 month. As a direct result Experian maliciously and intentionally put my Social Security Number on Dark Web then notified me that it was on there to get me to pay and extort me for my membership fees.
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 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at my XXXX 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX XXXX they are supposed 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: Mortgage

My name is XXXX XXXX I have a Mortagage with Chase I've had my Mortgage with them since XX/XX/XXXX and I have never been late or missed a Payment I pay my Mortgage every XX/XX/XXXX of the month in the amount of XXXX over the phone, on the XX/XX/XXXX, or XX/XX/XXXX of XX/XX/XXXX I decided to pay extra towards my principal in the amount of XXXX $ dollars to be debited on the XX/XX/XXXX, on the XX/XX/XXXX of the month I called chase to make my mortgage payment in the amount of XXXX which is my mortgage amount, I was debited twice for the online payment of XXXX plus the XXXX $ dollars for principal, and the phone payment in the amount of XXXX. I called to check to see if my payment was accepted as I do every month after every over the phone payment and the recording said XXXX plus dollars I called chase immediately and they returned one payment and asked me which one did I want to pay I told them to disregard the additional XXXX $ just my regular payment they debited one and returned one. I received a letter the next month stating I didn't pay my mortgage in the month of XX/XX/XXXX I've sent them bank statements from My bank XXXX as well as copies from my bank statements, plus I bank with chase and XXXX and chase can see I paid, I tried contacting XXXX cause my credit score has dropped tremendously. Chase will not help me. I also talked to Managers, several people at the bank that also said they see the error but its nothing they can do. I'm out of XXXX that I cant afford and my credit score has been affected and they are calling me a  Thieve and a Lier!!! I'm neither I pay my bills
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, and Experian for XXXX XXXX XXXX XXXX Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. Experian is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. Equifax is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Three accounts opened online in XX/XX/2018 with {$1000.00} each for a total of {$3000.00}. BMO has frozen accounts and continues to charge {$7.00} in fees per month while I have no access to my funds. Multiple 30 minute phone calls with BMO customer service and no resolution. Advised to call 'XXXX  XXXX. ' in fraud department, called and left message with my call not returned. Received email asking for documents to proof identity, returned email with all requested documents in a timely manner. No response. 

Went into branch on XX/XX/18 to verify identity and resolve but the branch was also unable to unfreeze my account and refused to refund the fees that continued to accrue. Asked if I could just close my accounts and get back my {$3000.00} deposit but was told the {$14.00} in fees will not be returned. 

Unacceptable to freeze account, charge fees and refuse to unfreeze account even after identity verification completed in branch.
Product: Checking or savings account

I called because i tried to move money. They refused to move money and says my account is frozen. I have verified all information to them. Name, XXXX, SS, Special code word. They say they will send a verification to my phone and the didn't. I ask them to send it to my email, they wont. I have spend hours on the phone. They say they will call back they never do. This has been going on since XX/XX/2023. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I tried to unfreeze my credit report on Experian. I went on their website and entered my PIN but the form did not recognize the PIN, so I selected another option to answer questions. After answering the questions, the website said I made errors and so I was not able to unfreeze my credit online or by phone ( I tried doing it by phone but I got the same PIN error message ). I tried again the next day XX/XX/2020 and got a notice on their website that they are having technical difficulties. I tried calling Experian to no avail -- they only have automated answering robots that do not help my case. The only option they are giving me from my online account is to send them documentation by mail, including utility bills, a copy of my driver 's license and social security card. I do not want to compromise my identity by sending all of this information by mail. I believe this is not a fair practice as it is not my fault that their website is having technical difficulties.
Product: Debt collection

I have garnishments taken from my company and they are not posting it on time. The payment from XX/XX/XXXX for {$240.00} was posted on XX/XX/XXXX. There is a payment also from my check on XX/XX/XXXX to take in for {$170.00} that has not been posted and another one taken out on XX/XX/XXXX for {$280.00} and not posted yet. The balance owed is {$280.00} meaning I have overpaid and unfortunately because they are not posting payments my company will still deduct XXXX XXXX until this credit company sends them a letter it is paid in full. This is not right because its taking money out of an individual that has a family and has fulfilled their payment. My company has called them and they ignore them and I have called them and theyre blaming it on my company not sending in the payment in which is false! This company needs to stop doing this!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

This means that whenever the FCRA is broken, it makes the banking system less effective. Because I decide what is on my consumer report and what is not, this is an invasion of my privacy. If any of my accounts are written off without my writing permission, that is identity theft.

There are two laws being broken here : 15 U.S. Code 1681b ( 2 ) and 1681c-2. This means that the credit reporting service can be sued in civil court for negligent and willful noncompliance under 15 U.S. Code 1681n. This allows for a {$1000.00} fine per violation for listing my account without my written permission.
Product: Credit card or prepaid card

In XXXX, Capital One cancelled a business credit card I had with them. The card had a {$1100.00} credit due to an overpayment. On XX/XX/XXXX, I was issued a check for the credited amount made out to my company ( XXXX, XXXX. ) which no longer existed as of XX/XX/XXXX. 
I sent the check back and requested the amount be endorsed to me since it COULD NOT be cashed as a company check by anyone. Capital One has ignored my phone calls and letters and are now proceeding to turn over my funds to the Maryland Treasurer as Unclaimed Property. Please help me resolve this long standing impasse. 

Holder ID : XXXX Property ID XXXX Check Number : XXXX Property Amount : {$1100.00}. XXXX Thank you in advance, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX Account # XXXX, The purpose of this complaint serves to herald certain business practices enacted by XXXX XXXX which have conspired to detrimentally affect my credit and has caused me irreparable harm. On or about XX/XX/XXXX, I applied for a new mortgage with XXXX XXXX XXXX. Upon completion of the review process, the lender contacted XXXX XXXX to request a payoff. Upon receiving the request XXXX XXXX advised me that it may to up to 5 days to receive the payoff. Furthermore, XXXX XXXX acknowledged that I was not late and had not been so on a recorded line and payoff was good until XX/XX/XXXX. However, while in underwriting with the new lender, XXXX XXXX reported inaccurately and earlier than scheduled negative/late reporting. This is not the first time since XX/XX/XXXX, I made a double payment and they counted as one payment and every month after that they reported me 30 days late. Due to this issue I have experience such a hard time in life especially the past few months with the harassing phone calls it's making me miserable as well as my kids. I have tried on numerous occasions to resolve the inaccurate information on my credit report but they have completely ignore me however they've been calling my job, my friends, my neighbors, my husband and sending mail weekly. They've called everyone in my life which is very humiliating. This has brought on a lot of mental issues to the point I'm having difficulties all for an account with inaccurate reportings. This is the last time I'm trying to resolve this issue for the inaccurate information. My attorney has advised me to sue or apply a lien to the business, however I'm trying to resolve this before I have to take legal action. Should they not remove this inaccurate account off my report I will sue for deformation and financial injury. Under the FDCPA and FCRA I can sue for damages to which I know my rights. FDCPA section 809 this law allows me to sue under the same circumstances. I have demanded on several occasions for the cause to cease and desist and they've ignored it. Please assist me with working with this company to have the negative reports on my account removed from my credit report.
Product: Credit card or prepaid card

I applied for a Chase credit and got denied for opening too many credit cards opened in the last 2 years. I equally closed as many credit cards as I opened. Did they look at that?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX removed an account XXXX XXXX XXXX XXXX  when XXXX discovered during their investigation that XXXX XXXX had reported inaccurate information. This information has caused me to be denied for new credit. I was notified by XXXX and XXXX that the account had been removed due to inaccurate reporting by all agencies. On XX/XX/XXXX, I was noticed once again only by XXXX that my account had been updated to a charge off account. This caused my score to drop XXXXXXXX The information is inaccurate and was deleted three days prior. I am in the process of buying a new vehicle and this has hurt my chances of getting a good rate. Please delete the XXXX XXXX Account from all agencies. I have sent letters with proof of these inaccuracies to all three credit bureaus. XXXX and XXXX deleted at first. XXXX is not re reporting inaccurate details. Experian is reporting incorrect information.
Product: Money transfer, virtual currency, or money service

Tried to make a refund complaint with XXXX. XXXX XXXX- accessed a phishing site by accident. The site asked me to enter a XXXX account to facilitate the refund due. The fraudsters asked me to enter their name to a XXXX account -in order to faciliate the refund from XXXX . they immediately withdrew money from my accounts. WHILE this was happening I got my bank online and in real time they were able to see and act on the account - they DID NOT. After the event - I requested a refund for fraud... They bank denied my request and I am out {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I mailed out a copy of my consumer report concerning inaccurate information being reported. Not only did I not give permission for this information to report to begin with but it has been proven as incomplete, inaccurate and unverified by XXXX. I have since provided actual documentation proving exactly that. It is misleading and harmful to myreport and well being as a consumer. I understand these companies are given 30 days to respond but they never had my permission nor any other permissible purpose to furnish this wrong information at any time or at all. I demand they comply with the law and remove these damaging accounts immediately.
Product: Bank account or service

BB & T Provided Senior Vice President XXXX XXXX XXXX, provided false statements in Consumer financial Protection complaint, case # XXXX. Provided statement has no records of the account number or Social Security number provided. Account number is XXXX Letter date XXXX/XXXX/XXXX. This letter is the Lead to the International Complaint drafted. Under the Mines and Minerals Act of XX/XX/XXXX.