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

Dear : CFPB I need your help to solve this problem with Bank of America ( BoA ) I strongly believe that my right as a consumer had been violated and denied for too long with the negative and false report in my credit file from Bo A. In XXXX XXXX BoA send me letter for collection and credit refund this process is conflicting with XXXX and the other. 

On XXXX/XXXX/XXXX I spoke to Bank of America ( BoA ) over the phone ( XXXX ) XXXX, XXXX, XXXX and transfer to XXXX in the billing department about the credit report of late payment and delinquency in my credit file, after I explained to him the error happened since XXXX XXXX told me that the report on all of my accounts will be correct and remove, and the credit bureau said it take about 30 days to get it correct. 

Today I went online to order my annual credit report and find that the late payment and the delinquency report was back in my files. I call XXXX and spoke to XXXX he said BoA had made a final decision that the delinquency report stayed as is in my file. I requests to speak to XXXX in the billing department but was denied, how could I have a delinquency when BoA refund a credit of {$61.00} to me plus all the late fees and interests was refund and correct since XXXX XXXX statements? 

I pay my bill in timely manner and paid as agreed, I did not paid minimum balance instead I paid full balance each billing cycle on all credit cards that I have with XXXX, XXXX XXXX, and Bank of America for the pass several years, please verify this with other cards provider. 

Please I need your help and I requests for an investigation into this matter to correct and remove this false report that had destroyed my good credit for over a year. Thank you for all your help and understanding I am looking forward to hear from you. 

Respectfully, XXXX XXXX Ps : This matter concern the account # XXXX, XXXX ( last XXXX ) Attached documents already send through regular mail XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting incorrect information to lenders, such as derogatory public record or collection filed, too few accounts currently paid as agreed. 

In truth,100 % of my accounts are paid as agreed, no missed payments, no derogatory public record or collection accounts. 

Lender XXXX XXXX has denied my application for a student loan because of the information that is falsely reported by Transunion.
Product: Debt collection

I am writing to file a formal complaint against PORTFOLIO RC XXXX that appears on my credit report. I believe that the handling of this account by XXXX XXXX violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request. 

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by ADR.ORG. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
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. 

Accounts : XXXX XXXX XXXX Account # 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: Debt collection

On XX/XX/XXXX I've received notification from TrueAccord in regards to an alleged debt owed to XXXX XXXX ( XXXX XXXX ) in the amount of {$750.00}. I've have previously requested information in reference to this matter with XXXX XXXX several months ago and now this alleged debt has been bounced to TrueAccord. In accordance with the law, please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).
Product: Money transfer, virtual currency, or money service

I transferred {$50.00} USD from my XXXX XXXX  account to a Wise account that I created. The domestic wire transfer was completed by XXXX on XX/XX/2023. I sent Wise a domestic wire receipt that was sent to me by XXXX bank, as well as screenshots of my transaction history ; these documents contained the XXXX  Reference Number, the XXXX confirmation number, and the XXXX tracking number, as well as the amount sent, the details of Wise 's bank information ( Account # : XXXX, Name : Wise US Inc , Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Bank name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX ). But they still claim to be unable to locate the money. I don't believe they are sincerely looking into the matter, because they respond to my emails with incorrect details ( example. They thought that I made the money transfer by card, when I have written multiple times that I made a transfer and provided the transfer receipt ). I am thankful that I did not send them more money.
Product: Money transfer, virtual currency, or money service

I placed an order online with my American Express serve card. I mismatched the billing and shipping addresses and placed the order however the order never went through the money was still put on hold. It 's really important to me that I can correctly place this order as soon as possible but there is absolutely no customer support for the American Express serve card to help relieve the hold. If there was someone I could explain the situation to then I know they would be able to take care of the situation but there 's nobody but a menu to greet you when you call or get transferred for customer support.
Product: Mortgage

I have called at least 3 times to request the overpayment of 1 month and 2 days of the of the mortgage balance. I also had an impound accoount. I verbally requested the refund sent to me. All of these conversations have been recorded. The Refinance close XX/XX/XXXX and I received the Full Reconveyance on XX/XX/XXXX. The last conversation I had with XXXX ( XXXX ) around XX/XX/XXXX again requested the payment and asked if they can send the refund immediately. I also asked him if the company if complying with the FDIC rules. He said his company does not have to comply with those rules. I have already requests the refund 3 times and they are aware of the problem.
Product: Debt collection

CASHNET MADE A FRADULENT LOAN IN MY NAME IN XX/XX/2023, CHARGED THE LOAN OFF, THEN SENT TO COLLECTIONS WITH CONSUMER ADJUSTMENT COMPANY. I DIDN'T KNOW THIS FRADULENT LOAN EXISTED, UNTIL I CHECKED MY CREDIT REPORT. I DISPUTED ACCT THRU XXXX IN XX/XX/2023, AND RECEIVED FEEDBACK THAT ACCT IS ALLEGEDLY VALID. I HAVE NEVER APPLIED FOR, OR EVER RECEIVED ANY FUNDS FROM CASHNET. CASHNET REFUSED TO EXPLAIN OR DISCLOSE CREDIBLE PROOF THAT THE {$2600.00} BOGUS LOAN IS MY DEBT.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX bank, XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Mortgage

My original loan was not with this company. The bought my loan after I closed on my house. The Money Source stopped playing my insurance company forcing me to pay for my homeowners insurance out of pocket. Then said that I have to pay for their insurance. I provided them with proof that I had homeowners insurance and they charged me {$300.00} extra dollars a month anyway for their insurance. This continued for 6 months with no payback of the money they forced us to over pay. They also took $ XXXX out of my escrow and never put it back. They sabotage our refinancing with another company by lying to us and not letting us make our monthly payment. They told us that because we were refinancing our monthly payment would be absorbed into our refinancing and we couldnt make a payment. Then they put a late payment on our credit report so that we couldnt refinance with another company. Ive talked to more than 15 different employees and no one can or is willing to help. Theres never a manager present, and even though they say one will call you back it never happens. This company has lied to us and stole from us.
Product: Debt collection

According to the NMLS database, Shephard Outsource, LLC is not licensed in my state.
Product: Credit reporting or other personal consumer reports

Synchrony BankXXXX XXXX XXXX XX/XX/XXXX I Notified Synchrony Bank about missing payment on my account, I Informed them that after viewing my bank account statements there were several undocumented payments, and I proceeded to give them the web transaction number for each payment dating back to XXXX of XXXX. I was asked by the representative to fax these documents to the Research payment department @ XXXX which I sent on XX/XX/XXXX through XXXX. I called on the following day Saturday and was informed by a representative that there were some interest adjusted back to my account but if I wanted to discuss the missing payment I would have to speak with a manager but during transfer the call was disconnected. At this time while going through my documents I discovered that some documents were missing during my transfer so I sent an additional fax from XXXX to the same location on Saturday XX/XX/XXXX of missed payments proof, afterwords I notified the company to discuss my account because I noticed a late fee was charged. I questioned this because I was told that the account would be on hold until the matter was resolved, the agent stated this charge was applied regarding the XXXX payment, I stated thats why I disputed my payments because Ive made more payments on my account than whats being reflected, the agent stated if the dispute is resolved in my favor the charge will be removed and from this point on the account is frozen and no additional actions will be taken on the account and my payment are on hold. On Sunday I received a call from XXXX my credit protection plan stating that there has been a drop in my credit score due to a credit line decrease. I checked my credit and Synchrony BankXXXX XXXX XXXX XXXX my credit line from {$3000.00} to {$640.00}. I call them Monday morning I spoke with XXXX to inquire the reason for the decrease and her reply was related to my credit report which she stated they had emailed to me. I asked the reason for the credit inquiry because I have been a customer since XXXX of this year, she stated inquiries are done every XXXX months, I replied well its not time for an inquiry based on my time with youll and her reply was they do them every month ( corrections ), I then replied that nothing in my credit has changed since I applied for credit with you, everything is the same from the time I applied so I didnt see the reason for the decrease. Suddenly she stated that I was correct about nothing changing in my credit and if I disagreed I could file a dispute with the credit agency, I responded I feel my problem is with you directly and I wanted to have my balance reinstated because I feel it was a retaliation for the dispute that was filed, she said there was no way to re adjust my balance other than applying for a balance increase. I stated I was not interested in applying for a balance increase. And that my plan was to speak to a lawyer.
Product: Checking or savings account

XX/XX/year> account is adjusted to a negative zero against 100 percent available credit file of equal credit act open account. I was never given an adverse action letter for the negative zero adjustment to equal credit act open account. I'm an official American standard unit of measure person and there's a latin accountant adjusting account to equal latin milli- person negative zero contribution to US while I am an Inch person positive contribution registered unit of measure with and for US XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband passed away XX/XX/XXXX. I was told by our credit monitoring personnel that I needed to freeze my husbands credit in order to cancel his credit monitoring account. I wrote a letter to Equifax and mailed the letter XX/XX/XXXX. This letter had all our personal information either attached to it or in the body of the letter. Included were copies of my husbands death certificate, my drivers license, my husbands drivers license. In the letter I gave both our social security numbers, dates of birth, and address. I did call Equifax to verify the correct P.O. Box to send this to. In XX/XX/XXXX, I had not heard from Equifax, so I called and talked to a customer service person who told me there is no record of receipt of my letter or attachments notifying of my husbands death. I am really afraid to mail another letter even if it goes Certified mail. I was told the only way they will accept this notice of my husbands death is by mail. I believe my letter and all our personal information is either lost in the mail or received by Equifax and is sitting on someones desk. I did receive a copy of my credit report and put a freeze on my own credit during my XX/XX/XXXX phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00}
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

MediCredit was paid in XX/XX/XXXX on a medical debt. MediCredit was credit reporting the debt and during the conversation for payment of the debt, I requested that it be deleted from my credit report. Additionally, pursuant to the update to FCRA any paid or settled medical debt should be removed from the credit bureau, not just updated as paid.

Since the debt was paid, any reporting of the medical debt should be removed from being reported to any credit reporting agency pursuant to S. 3351 ( 115th ) : Medical Debt Relief Act of 2018.
Product: Credit reporting or other personal consumer reports

Kindly take a moment to look over the attached documents at your convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN U.S. BANCORP VIOLATES EVERY CONSUMER LAWS ON THE BOOKS. WE HAVE 11 CLASS ACTION MEMBERS TO WHOM FEEL THE SAME. 
CHRONIC " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
Product: Credit reporting or other personal consumer reports

I believe my credit report includes incorrect and fraudulent accounts. These accounts do not belong to me, and I have never authorized or participated in any activities related to them. This situation is not only unjust, but it also raises serious concerns about identity theft or errors that have negatively impacted my credit history. I request a thorough investigation into these discrepancies, as the listed accounts are false and inaccurate.
Product: Checking or savings account

Hi, I had an account within the whole-time frame in question, I was charged overdraft fees along with insufficient fees and overdraft fees sometimes due to their posting. I lost a house because of the noncommunication with the bank towards me. if they would have talked to me, I would have saved my house instead, I have had years of homelessness. I had my retirement and all my money wrapped up in that house. 
my name is XXXX XXXX XXXX the house I was living in at the time was XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to the TN Dept of Human Services regarding inaccurate information that they have supplied to the credit reporting agencies.

They are in clear violation of 15 US Code Sec. 1681s-2 : Responsibility of furnishers of information to consumer reporting agencies, because they do furnish information and they have a duty to provide accurate information - THEY HAVE FAILED TO DO SO.

I have asked that they validate the debt - pursuant to 15 US Code Sec. 1692 g validation of debts, I have a right to request all information pertaining to said debt, as this company continues to garnish my wages and I KNOW THAT THIS HAS BEEN PAID OFF, therefore, show me the amount that I owe.

This erroneous information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes.

I am including my check stub, the letter received from the furnished, and the inaccurate information that they continue to furnish.

Your assistance in this matter is crucial THIS FURNISHER IS IN COMPLETE VIOLATION AND THEY ARE IN WILLFUL NON COMPLIANCE
Product: Checking or savings account

I filed a complaint on Navy Federal Credit Union complaint number : XXXX on XX/XX/XXXX, I received confirmation on XX/XX/XXXX that they responded that they are still reviewing my account. Today XX/XX/XXXX I received a email from Navy Federal stating that they are unable to grant me membership due to not being able to verify my identity how is this possible when my account has been open for months if my identity couldnt be verified they would have requested that information well before opening an account for me, I feel as if this is a stall tactic to keep my accounts frozen for no reason at all I explained the situation in my first complaint Navy Federal is trying to cover their tracks they are liars and I would never wish this treatment on anyone about their own money in their account how do you just freeze someone account with no explanation as to why I will have my lawyer involved in this matter immediately a rep begin asking me personal questions like what am I spending my money on I dont have to disclose this information to you all what give you the right to ask me that question
Product: Checking or savings account

I have received my Chex systems report and it contains inaccurate and fraudulent information on my credit report I have received my affidavit from FTC.GOV which will be included. this account is not mine and its verifying information is inaccurate. I have noticed the Chex systems have a variety of addresses and phone numbers which are also not mine, which are also Listed in the report.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a detailed letter to each of the 3 bureaus, advising them of errors that I wanted them to research. To date, I have yet to receive mail from the bureau. I submitted my dispute through the US mail and I noted on the disputes that I also requested to receive the answers to my disputes through the US Mail. I'm aware that the FTC did allow the bureaus some flexibility at the beginning of the pandemic, but there should not be any reason they can not reply to me regarding my concerns.
Product: Credit card or prepaid card

I see things may be inaccurate. Start looking at the account name, opening date, date of last payment, date last reported, and account status.