23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX 2016 I began application process for IBR plan through my loan holder ACS. After faxing multiple forms provided to me on several occasions and emailing said forms I had fallen delinquent on my account so they suggested I put my loan into forbearance. After several month I was approved, given a reduced payment, taken out of forbearance and my accrued interest was rolled into my principal. I made the assigned payments on time each month. Each month I noted a late fee of {$120.00} about which I called on several occasions and was given a different reason each time. The most recent reason for the late fees I have been given is that my reduced payment amount ( that they assigned to me ) did not even cover the monthly interest and the late fee was accessed because I was not making a payment onto my principal. I then requested the dollar amount I would need to pay to avoid paying a late fee the following month and the operator was unable to clearly give me a dollar amount to pay in my next payment. I have had no resolution to this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting

The we te are accountsan, names, and addresses that are not mine.
Product: Credit card or prepaid card

I reported an unauthorized transaction of {$1600.00} to Bank of America on XX/XX/XXXX. A dispute claim was filed and I cancelled my issued unchipped EDD debit card and requested a replacement card. 

Called Bank of America cardholder services on XX/XX/XXXX because I was denied access to my account on the Bank of America Edd card website : YOUR ACCOUNT CAN NOT BE ACCESSED. PLEASE CALL THE NUMBER ON THE BACK OF YOUR CARD. After verifying my identity to the agent I was informed that my account has been closed. 

Received a letter from Bank of America dated XX/XX/XXXX saying they were investigating my claim and my account would be temporarily credited with {$1600.00}. 

Received another letter from Bank of America dated XX/XX/XXXX which informed me that after investigating my claim the temporary {$1600.00} was now permanent. 

I have called Bank of America consumer protection department numerous times requesting them to do the following : reopen, unfreeze, and remove hold on my debit card Mail me a check for the remaining balance Give me a reason for closing my account Tell me who to contact and what I need to do to reopen my account Ask to be transfered to Fraud department, Risk department and account escalation specialists Bank of America claims they closed my account on behalf of my sponsor, California EDD due to benefit eligibility concerns. They say only EDD has access to the money and I have to contact them and have a freeze tracker sent to start the process. 

I call EDD and after verifying my identity explain my debit card was closed by Bank of America who needs you to verify my eligibility with them in order to regain access to the money on the debit card. EDD states that my account is in good standing, they have no access to my account and only the bank can close the account. The EDD agent sends Bank of America an email and an EBP log. Even though my identity was verified through idme, EDD sends me their link to upload identification documents and my identity is confirmed as of XX/XX/XXXX and Bank of America has been contacted and notified that my identity and eligibility is confirmed by California EDD. 

My account is still closed and when I call Bank of America they claim they have received nothing from EDD.
Product: Debt collection

I am unaware of this debt.I didn't have an opportunity to dispute or access the debt prior to being reported to my credit file. If in fact you believe that you gave me proper written notification, please send me a copy of the certified return receipt bearing my name and signature as proof of delivery. If you can not produce these documents then you have just violated me under 12 CFR 1006.34 ( A ) ( 1 ) ( I ) ( B ) .I will be requesting immediately deletion of this account from my credit file.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX has refused to resolve fraudulent account. Account was removed from XXXX for being fraudulent and should have also been removed from XXXX and XXXX. Company has continued to report account with intent to destroy consumers credit. Account is not mine and does not belong to me. Account is not accurate as its already been deleted from XXXX. Account is reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS IN VIOLATION OF MY CONSUMER RIGHTS. XXXX XXXX WILL NOT REMOVE FRAUDULENT ITEMS OFF MY REPORT AND HAS ALL THE EVIDENCE. I H AVE SENT IN PROPER DOCUMENTATION TO RMOVE ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRIES AND XXXX XXXX HAS VIOLATED MORE LAWS. XXXX XXXX IS IN VIOLATION OF : XXXX ) 42 USC SECTION 408 - PENALTIES 2 ) 42 USC SECTION 405 ( c ) ( 2 ) - EVIDENCE, PROCEDURES, AND CERTIFICATIONS 3 ) 15 USC 1601 - TRUTH AND LENDING ACT 4 ) 15 USC 1602 ( g ) - DEFINITIONS AND RULES OF CONSTRUCTIONS 5 ) 18 USC 1028 A - AGGRAVATED IDENTITY THEFT 6 ) 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 7 ) 15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 8 ) 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 9 ) 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 10 ) 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 11 ) US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 12 ) 15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 13 ) 15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 14 ) 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 15 ) 42 USC 408- ALSO ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND1DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! I WILL BE SEEKING {$1000.00} PER VIOLATION, DAMAGES AND PAIN AND SUFFERING.
Product: Mortgage

We had a mortgage with XXXX that was discharged in chapter XXXX bankruptcy 4 years ago. 
Another company purchased the " loan '' and has continued to bill us for back payments. 
It clearly states on the bills sent to us that if the property was discharged in bankruptcy disregard the bill. 
The company is SETERUS. 
I have called and told them the debt was discharged. But the bills continue to come. 
This is unfairly affecting our credit score. We are trying to rebuild our credit. We both work hard and have good jobs.
Product: Debt collection

Collection has already been removed from my credit once.it was re-reported. They did not provide any type of communication or right of dispute. They are also unable to locate my account through their portal. I have attempted to reach out to them for settlement or debt validation to no response..
Product: Credit reporting or other personal consumer reports

The attached American Express account appears on my credit profile but I do not have any account with them under this account number and when requested investigation from the credit bureaus they could not validate the account but it still remains on my report.
Product: Credit reporting

Attached to this complaint are XXXX pages:1. Shows the investigation completed by Experian for Report Number XXXX. 
2. Page XXXX shows a XXXX XXXX account listed under " Potentially Negative Items '' 3. Page XXXX shows a XXXX XXXX account listed under " Accounts in Good Standing '' PAGE XXXX and PAGE XXXX ARE THE SAME ACCOUNT AS REPORTED IN ALL OF MY EMAILS, CERTIFIED LETTERS AND CFPB COMPLAINTS!!! 

THIS IS ILLEGAL AND FRAUD!!!
Product: Credit reporting or other personal consumer reports

I have potentially fraudulent " late payment '' flags on my Experian score and only my Experian score. Customer support and their Dispute Center will not disclose to me who reported missing payments. 

I've both emailed and called, and have spoken to half a dozen people. I've been hung up on, transferred around their call centers, and have been told to " hire a financial consultant '' on repeat. 

There does not seem to be any mechanism to hold them accountable, or to force their hand to provide basic information like this relating to my report. I also can't file a dispute for this through their system, as I'd need to know who reported late payments to do so, and which they won't disclose.
Product: Money transfer, virtual currency, or money service

The ACH Transfer is made for XXXX XXXX a total amount of {$1700.00}. At first we helped him with {$1500.00} and then give him additional {$250.00}. We are trying to help him and being generous but at end it was a scam. They are doing fraud and scam so they can get money. Is it possible to get the money back because I tried to reverse the ACH before because they told us before we can reverse it unfortunately they informed as in the branch we cant reverse it. He never respond to my text or call. XXXX XX/XX/XXXX, XXXX {$1500.00} XX/XX/XXXX, XXXX {$250.00}
Product: Credit card

For dispute XXXX Please provide the evidence that the package was signed and signed by XXXX. 

If the courier company hasnt provided proof of delivery or if theres an issue ( like a package marked as delivered but not actually signed for ), I have the right to challenge the charge and ask for clarification before paying the bill. 

Generally, the courier company should provide valid proof of delivery ( such as a signed receipt or electronic signature ). If they can not provide such evidence, In that cases, Amex can not force me to pay the bill if Amex can not prove the delivery was completed properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX See pages 23, 26, 27 of the attached credit report as evidence. I have highlighted the errors. 

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter back in late XX/XX/XXXX stating that I was late on my payment and incurred a late fee. I ignored it because I thought it was an error since my payments are never late. I received another letter about a month later and this time it showed that I incurred a late fee. I became concerned and contacted XXXX XXXX where I spoke to a rep, who after reviewing my account, mentioned that one of my payments wasn't applied properly due to when it was received. at first I questioned why was that the case when I am used to paying the same time every month and it was never an issue and informed her that my payments are on a recurring schedule set from the very first payment. I was told that they will fix the issue and reverse the late fees. I thought the issue ended there, but only received yet another letter stating the same thing. I contacted them again and was told the same information as the first call and the rep said the issue would be fixed. Needless to say, I called a total of 4 times ( twice on XX/XX/XXXX, once on XX/XX/XXXX and once on XX/XX/XXXX ), after receiving two more letters and still the problem hasn't been fixed. As if this wasn't bad enough, they reported these erroneous late payments on my credit report, causing my score to tank significantly! I immediately called upon notice, but was unable to be helped because the " business dept '' was closed. I requested for someone to call me immediately on the next business day and have yet to receive a phone call. I am in the middle of a home purchase and this has changed the entire outcome of my situation and may even leave my family and I displaced, as we can not move forward with our purchase and have already given notice to our current landlord. My scores have dropped 44 points on Experian, 38 points on XXXX and 26 points on XXXX due to their negligent handling of my account.
Product: Debt collection

I received a notice only one time stating I owe a debt. I never received a bill. I don't know what this debt is about. I sent in a certified letter requesting more information about the company and debt. The address leads back to the creditor. I don't know what this is about and I am disputing it.
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. 


AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

The credit bureau stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 

RE : XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act 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.
Product: Money transfer, virtual currency, or money service

XXXX wrongfully charged me for a service that I did not order, through PayPal. The funds were not available to cover it and I attempted to let them know. They still forced the transaction and instead of PayPal rejecting the cost, they forced a cash account that had no funds to create a debt. I attempted to file a complaint with PayPal and their issue is that the service was close to what the original order request was ordered and not that the charge should have never taken place since the funds were unavailable. So I wouldlike to file a complaint against PayPal for their wrongful transactions.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX. My private personal information is being reported without my written or verbal consent. I never had a contract with XXXX XXXX XXXX XXXX and they are reporting inaccurate information without my consent and it is causing harm to me as a consumer as I am unable to make any purchases for good and service as my credit is being withheld from me due to misleading information being shared by a third party without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am writing this complaint on ( XXXX  XXXX XXXX ). First they keep saying they didn't get my dispute letters in mail. Which is impossible cause i have tracking number and it says it was delivered. 

So National Credit System put a account on on XXXX XXXX report i found out about it in XXXX. Then In XXXX they put it on all the Credit Bureaus. I informed XXXX, XXXX  and XXXX  this was a fraudulent account. All three credit bureaus deleted the National Credit System off my report within 4 business. 

XXXX XXXX XXXX told me they have to contact National Credit System to delete this account and it will take 30 days. 

I am making this formal complaint because the FCRA 605B clearly states that the credit buraues has four business days to block this information my report. 

How can XXXX delete this off my report but the XXXX XXXX section wont delete this off my account. 

XXXX XXXX still falls under the FCRA and should follow the rules. 

FCRA clearly states : Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 


Attached is a police report and dispute letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three complaints with Equifax : 1 ) there is a closed account that should be removed 2 ) there is a credit card account that should be added and 3 MOST IMPORTANT There is no way for me to have this resolved online as they tell me I am not me ( do not pass authentication ). And of course, it is because they have outdated or incorrect information!

My biggest issue is that they tell me I must resolve this dispute through the mail or fax and to do so they want me to mail or fax a copy of my Social Security Card and my Driver 's License and to note that it is going to the Credit Dispute Department.

I can not think of any bigger signal to an identity thief than sending these two pieces of information through the mail or on a public fax!!! I can not believe that there is no secure section on their server that can receive this information.

The whole process seems entirely counterintuitive.

The other two agencies have all the correct information so it is Equifax that is holding down my credit rating.

I have spoken to them several times but have gotten no satisfaction or even acknowledgment that this is a faulty and dangerous process for dispute resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 an inquiry was made by XXXX XXXX  using my social security number. It is still on my credit report. This has affected my credit score and my ability to obtain credit from other creditors. I did NOT authorize XXXX XXXX  to run my credit to obtain any services from them! I called them and received a letter saying it was fraud and it still has not been removed from my credit report! I want this company fined! XXXX XXXX  is known to run credit without peoples consent! Please fine this company! This is affecting my credit report and my score!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX have continuous ly put wrong error on credit reports even after sufficient evidence was provided to remove grom file. XXXX XXXX and XXXX XXXX  XXXX submitted b as f document through courts which caused a lot of problems for me and my family. XXXX XXXX XXXX and XXXX XXXX agreed to remove from court documents and credit report. Ive also sent court documents to XXXX and Transunion but they have failed to remove
Product: Bank account or service

Navy Federal Credit Union locks me out of my account whenever my car loan is late. I am completely locked out. This is a problem for a number of reasons. I can not follow my balance, I ca n't remotely deposit pay checks, this practice seems absolutely absurd. Everytime it happens I have to call and talk to someone, wasting everyone 's time to unlock my bank account. 

Blocking my bank account t seems unethical, if not illegal.
Product: Mortgage

In XXXX of XXXX we took out a mortgage with Quicken Loans Rocket Mortgage. We paid 25 % so we did not pay PMI and we could pay our property tax and insurance on our own. During Hurricane Irma XXXX  my house and the fence around our swimming pool were damaged. The property tax increased and was in process of payment when to our surprise our mortgage lender sent us a notice that the {$1300.00} a month payment would no longer be accepted and we must pay {$25000.00} immediately to cover their forced placed insurance and taxes in advanced for the next two years even though our insurance was paid on time every month it now was to be replaced by a much more expensive policy and prepaid for 2 years because the property tax was late. This caused us to force see our recently purchased house at a significant lose and caused a major impact to our credit report because lender would not accept our payment unless we paid all of the prepaid insurance and taxes. Now our credit report reflects late payments and we can not be approved for a new loan even though we were never late with our mortgage or insurance.
Product: Debt or credit management

On XX/XX/year> I tried to call and cancel my check that was posted dated for XX/XX/year>. 
However I was told it was already processed and could not be terminated. 
From my understand this is against the FDCPA " cashing a post dated check prior to the date ''.