23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I received 4 emails from Bank of America, who I do not bank with. I haven't clicked on or responded to any of those emails. 
The first email was to verify my email address used to create the account. I did not respond. 
The second was a welcome email for online / mobile banking enrollment. 
The third was an in-progress email for an application to a checking account. 
The fourth was the approval for the then opened checking account. 

Bank of America does not have an easy to find phone number to report fraud, so today, Monday XX/XX/15, I reached out via direct message to their XXXX account. 
After I missed their call, I called back. 

At noon the person I reached, XXXXXXXX XXXX, asked for my Social Security number to find the account. 
I stated I didn't want to provide my Social Security number because I did not set up the account. 
I noted that at least my email address used to set up this account since I received four emails from them. 

He said that he couldnt look up my email address and wanted me to physically go into a Bank of America branch. 
I declined and insisted he look up by my email since I was not the one who initiated the account to be setup. 
Since I didn't respond to ANY emails, including the email verification email, it appears his company was trying to defraud me either through insufficient vetting of an applicant or by BoA conducting unscrupulous activities by secretary setting up accounts. 
I informed him and in the XXXX XXXX thread, my next steps are to report the company for fraud. 

After replying to the XXXX XXXX direct message of my intentions to report them for fraud, I received a call back from XXXX in their Social Media department who pledged to act as a liaison to XXXX in the checking fraud department to try and resolve the issue using only the information they had. 

They insisted they could not proceed without my SSN, which I reluctantly provided. 
XXXX found an account, which used my SSN and a previous address and closed the account, noted there was no activity, stated she would report to the credit bureaus that the account was not authorized, and would send an email with next steps to protect against identity theft.
Product: Credit reporting or other personal consumer reports

I have never authorized any of this misleading information to be placed on my credit report. Also spoke to both Progressive and receivable management and they both are declaring they did not get any authorization from any authorized user to project any of this Information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Since XXXX, Ive told TransUnion multiple times to stop putting UNAUTHORIZED freezes on my account and yet they have continued to do so, as of XX/XX/XXXXXXXX
Product: Student loan

I submitted a forbearance request on XX/XX/2023 due to unable to pay payments. I put XX/XX/2023 as my start date and needing forbearance now. They sent me an email on XX/XX/2023 that I needed to change the start date because it wasnt meaning for ( now ) that it needed to be backdated. The email I have from ECSI says I have until XX/XX/2023 to change that date. On XX/XX/2023 I went to submit that change ( no decision had been made on my forbearance ) yet as I had until XX/XX/2023. The site did not allow for change, and I had called ECSI. They said they gave it to the debt collector and couldnt take it back. I called the debt collector and they did not have my info yet. I recalled ECSI ON XX/XX/2023 and they said even though they told me I had until XX/XX/2023, that it can not be taken back once its been sent off.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom to may concern, In early XX/XX/2020 I had become an authorized user on my cousin 's XXXX XXXX XXXX credit card. They had said they would show me in the credit files to all 3 of the major credit agencies and have not. I will also put an attachment from XXXX XXXX website. It is now Middle of XXXX and I do not see this card anywhere on transunion, XXXX  or XXXX. I have called XXXX XXXX a few times. They said they would fix it and it just had to be updated. I just feel like nothing has been done to show my information. I understand with covid everything is backed up. Just want my information to be accurate.
Product: Debt collection

Continuous calls from multiple numbers, for a debt that is over 13 years old, have been told repeatedly to stop calling, as this was settled with XXXX several years ago, continue calling all hours of the day and night
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$1000.00} XXXX XXXX XXXXXXXX - XXXX - {$120.00} XXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Late Payment / ReposessionNotification and Assertion of Consumer Rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute late payment entries and repossession currently reporting on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ).

According to my credit report, there is a late payment entries listed for accounts XXXX  XXXX XXXX with late payment entries and repossession entry for XXXX XXXX XXXX However, I would like to bring to your attention that these late payments and repossession are inaccurate and unjustified. 

Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies.

I am formally requesting that you investigate these late payment entries with repossession and provide me with the following information : 1. Verification of the accuracy of the late payment entries with repossession including proof of the alleged late payment and current repossession. 2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments and repossession.

I expect a thorough investigation into this matter and request that you provide me with a written response as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA.

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly. 

Thank you for your attention to this matter. I look forward to your prompt response. 
XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a letter from sage law offices, stating I owe to XXXX XXXX XXXX XXXX for a bill that was covered by my insurance, on XX/XX/XXXX I mailed a letter requesting the statement that i never received they mail me an invoice with a XXXX balance but they still requesting the {$100.00} without an explanation of that amount. I need help I cant afford to pay for something that I dont owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX XXXX Transunion LLC, XXXX ) unlawfully reported a fraudulent account that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.
Product: Vehicle loan or lease

They claim that on my credit report I still owe them {$13000.00}. I dont. I want it removed. I will file a formal complaint against them
Product: Mortgage

the company name, XXXX, specialized loan XXXX XXXX seems to be doing unethical conduct of business. for my case, I am in the process of refinancing, and needed to get the payoff quote but this company made '' intentional " mistake to make me stay in the company, colleting lots of interest money from mortgage payment. Since the rate I got was 8.6 % so needed to get refinanced. this sls company paid unnecessary property tax from my escrow account, XXXX. the property tax already paid on XXXX, XXXX  by doing this way, caused my escrow account to be " negative '' so the payoff quote I needed to refinance can't be done correctly. 
I had to extend the rate lock 3 times at my cost and requested the company to correct the intentional mistake asap. talked numerous associates, including 3 way calling with loan officer from refi. hours and hours of explaining and talking and of course waiting and holding hours, what a waste, each associates from customer service, escrow dept. tax dept. seemed " not care '' about the correcting the negative escrow amount purely caused by the company, rather they said that I need to proceed including the negative escrow in payoff, the negative escrow is {$4000.00} almost. why I should include the negative escrow amount in my payoff quote???? It is almost impossible for them to correct it. tossing me to different dept. different associates, seems foolish people who don't know what they are doing or try to escape from the issue by transferring me here and there, everyday, every time.!! It seems to me that they are all liars!!! 

don't recommend this company, specialized loan services, XXXX XXXX XXXX XXXX, to anyone, nobody should be using this company, full of bandits!
Product: Credit reporting or other personal consumer reports

I sent a letter out XX/XX/XXXX to experian, XXXX, XXXX XXXX XXXX XXXX. However it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense. 
According to the law 15 U.S. Code 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information conatined in a consumer & # 39 ; s file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the 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 reseller.
Product: Mortgage

My mortgage holder, PennyMac, failed to make payments from my escrow account to my flood insurance provider resulting in the insurer cancellation the policy on my residence. This was done without my knowledge and in spite of my having ample funds in the escrow account. Then, PennyMac informed me they had to purchase a policy at a premium on my behalf because I didnt have the required flood insurance coverage. Ever since then, and even after talking to my insurance broker and the escrow department at PennyMac, I continue to receive alternating notifications from PennyMac. One notice says I have flood insurance coverage, then within a week or so I receive a notice that PennyMac must purchase a flood insurance on my behalf because there is no evidence such a policy is in place. Continued calls to PennyMacs escrow department have not resolved this problem.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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 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: Checking or savings account

Centennial Bank I opened my bank acct in XXXX of XXXX. I opted into the overdraft protection option which I was sent a confirmation for on XX/XX/XXXX my acct was opened online. 

The bank apparently declined to cover the -15.11 for the XXXX that is drafted to come out of my acct.

Due to this my CC company returned the XXXX  due to XXXX So, my CC payment wasn't made, unknown to me and the bank still charged me a XXXX fee even though they didn't cover the payment coming out. 

I deposited money the next day into my acct the next day to bring it into a positive balance. ( Believing that my acct was only negative XXXX, I deposited XXXX ). I believed this due to the fact that when I opened my acct I had opted in to the {$500.00} overdraft protection in XXXX XXXX XXXX. I was not informed by the bank that I was being charged any fees, however I did deposit the money the very next day. 

Out of the {$100.00} that was deposited only {$49.00} was credited to my acct due to the {$35.00} XXXX charge plus the XXXX neg balance. The total neg balance on the acct was XXXX when the XXXX deposit was made. 

So, the {$35.00} that was taken without my knowledge was thought to be in my acct. 

I have a {$28.00} and a {$38.00} XXXX  that comes out of my acct. Due to the bank taking the {$35.00} it made both of my CC bounce and after they bounced the bank charged me another XXXX fee and still didn't cover the payment coming out of my acct. 

The CC company wasn't getting my {$28.00} and {$38.00} payments bc the bank declined to cover the overdraft amount while not informing me they weren't covering it and also charging me {$35.00} I told the bank about this error when I realized what happened, and they admitted fault and credited back the total of the XXXX  fees. 

However, due to them taking the fees out of my acct it caused my bank acct to be in the negative and my CC payments weren't being paid and this caused my credit score to drop XXXX  points. 
I was also charged a total of {$260.00} in late fees and returned XXXX payments by XXXX XXXX due to the error on the banks part by not covering the initial XXXX. 

The bank offered to tell XXXX XXXX that it was an error on their part and cover all fees that I was charged by XXXX XXXX, however they haven't contacted me back after I gave them the amount. 

The Bank Branch Manager laughed when I told her this issue, I was in her office crying the day I found out that my credit score had dropped and she literally laughed. When I asked her why she laughed at me being upset she quickly said that she was laughing at the weather. 

I called and played phone tag with the managers until I received a letter informing me the bank has the right to not cover the overdraft amount, and they'd tried to get ahold of me but couldn't. I literally called the man who sent me the letter, today and it went to his voicemail. 

Please know that my acct has always has a positive balance and this was the first time that my acct have ever been put into a negative status and I deposited the money less than XXXX hours after the payment tried to come out of my acct.
Product: Credit reporting

As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX I and have had no response from XXXX ; Experian ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Product: Mortgage

My loan modification packet has been submitted for review but my lender has failed to respond. Loancare Mortgage has violated the Dual Track restrictions of Regulation X, 12 C.F.R.1024.41 ( g ). My lender has failed to provide me with a required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this my application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). Loancare also failed to evaluate me for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Product: Credit card or prepaid card

I received a text message on Tuesday XX/XX/2020 from my Best Buy Visa card asking whether I was attempting to make a purchase for {$930.00} at a XXXX XXXX. I texted No and opened up a fraud dispute. That transaction never went through but as we looked at the other recent transactions, there were 2 other charges that I disputed. One was for {$270.00} at a XXXX XXXX in XXXX, IL and the other was a {$50.00} purchase at a XXXX XXXX in XXXX, IL. Both charges were on XX/XX/2020. I raised a dispute on both of those. They were removed from my bill and I was given a credit. I received a letter from the Best Buy Visa last week that they had concluded their fraud investigation and determined that I was in fact responsible for the charges and had reissued them back to my account. 

I called the customer service number and spoke with the fraud department. The representative told me that because the transactions had been completed with a chip card and because I told them that I still had the card in my possession, that I was responsible for them. I did have the card in my possession, but I have never stepped foot in a XXXX or XXXX station in XXXX IL. They essentially told me that there was nothing they could do. I asked them if they had video footage of me making those purchases and they said that they didn't and could do nothing further. Because it was a chip transaction, it had to have been me that made it if I in fact still had the card. I did not make those purchases and I find it odd that they sent me the fraud alert for a XXXX XXXX charge that occurred 2 days after one had supposedly went through. 

I don't know if there is anything else that can be done. I already paid the balance and I told them to close my account since this was the type of customer service that was being done. There may be nothing else that I can do, but I still wanted to lodge a complaint.
Product: Debt collection

XXXX XXXX XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has wrong info of denial. They have told me to contact XXXX but XXXX says they dont have the info the bank has on their credit report. The bank did say my credit was XXXX out of 300 min to 620 max. Company also continues to deny an interactive good faith process to accommodate my XXXX. Company also has failed to accommodate any of my XXXX in any way. I am making a new complaint because I could not get access to my previous complaint. This is an addition to that complaint.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing matter regarding an account associated with XXXX XXXX XXXX XXXX, a company with which I have no recognition or connection. Despite my diligent efforts to seek validation and clarification on this matter, I have yet to receive a response from XXXX XXXX XXXX XXXX, and the situation continues to be a source of distress and confusion. 

The account in question, identified by the reference number XXXX, was brought to my attention when reviewing my credit report. To the best of my knowledge and belief, I have never engaged in any financial transactions with XXXX XXXX  XXXX, nor do I acknowledge any debt owed to them. The absence of any recognizable connection to this company raises serious concerns about the accuracy and legitimacy of the reported account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recov ASSOC Original Creditor XXXX XXXX XXXX is reporting incorrect information to my credit report. 
-Report two seperate reports -Payment status is incomplete -Date Last Active is incorrect -Two Year Payment History is not updated with all three bureaus
Product: Debt collection

Starting in XXXX, I reviewed my credit report and noticed Mariner Finance reporting inaccurate information. I have sent a letter to them on the dates of XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. By law, Credit Reporting Agencies and Creditors are to respond within 30 days. I havent received any feedback pertaining to Mariner finance. This is a serious matter due to the fact that the inaccurate reporting is hindering my financial journey.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows collections from XXXX XXXX XXXX for XXXX XXXX XXXX. I have called XXXX twice and said, send me a bill!! I always pay medical bills. This goes back six months, and I am still waiting for a bill. 

I do not think it is fair to show bad debt and not allow me a chance to even get a bill to pay. Can you help?