23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been a good customer of Bank of America, as the records will show. Unfortunately, Bank of America has not reciprocated the loyalty and dedication I displayed as a customer. With respect, I would like to express to you that I have been trying for over a month to rectify a matter involving my Visa Signature card with Bank of America, account number XXXX. In error, I made the XXXX payment to the Visa account aforementioned with a Credit Union account I had closed yet failed to remove from my XXXX XXXX. As soon as I discovered my error, I initiated a call to Bank of America to resolve it. To date, I have spent several hours on the phone talking to multiple representatives who each gave me conflicting information, as well as numerous emails sent in an effort to resolve this issue with various departments. All with no success despite being told by several of your representatives that this issue was fully resolved. During this process I have had to wait on hold for hours, as well as answering emails that did not address the issue. I had endeavored to make several attempts to bring my account current, again with no success, then finally I spoke with a representative who set up a conference call with XXXX XXXX XXXX XXXX who is my pay from account holder, in order to determine the correct account number to use to make payments on the account at Bank of America. At the conclusion of this call your representative assured me that there would be no negative reporting made to my credit report, and once payment is received my account would be current and in good standing. He also said there would be notes made to explain what had occurred. Later I received notice that my account was now closed. I again called and spoke to a representative who told me there was nothing she could do. I then asked to speak with her supervisor XXXX XXXX, who said she would look into what she could do for me and get back to me. The next day XXXX XXXX called and said my account is closed and there was nothing she could do. Now I am gravely concerned about my credit report being affected, previous to this my XXXX  score was XXXX with XXXX, as well as the lack of proper handling of this issue that I experienced. I have never made any late payments or had any credit canceled for nonpayment in my entire life. I sent Bank of America a letter on XX/XX/2022 regarding the above. Sent another letter on XX/XX/2022, because Bank of Amercia said my account was reopened and all negative reporting was corrected, but That was not true! Hence, I sent a second letter XX/XX/2022. Then Bank of America sent a letter to me dated for XX/XX/2022, pertaining to another customer 's issue which has nothing to do with me, so now they are confusing my situation with another customer. Please help me. I am need the account reopened since Bank of America as admitted that it is their ERROR, and I need any and all negative reporting to my Credit report to be corrected. Thank you CFPB.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account Name : XXXX, Account Name : XXXX  XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX  XXXX, Account Name : XXXX XXXXXXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/2024 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 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall 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 i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I made my mortgage payment to  CCO mortgage in XX/XX/2015 for the amount of $XXXX.  This is the correct amount of the monthly payment.  The bank cashed the check for $XXXX short.  I was assessed a late charge for the incorrect amount paid to the bank.  I called the bank and was told that this was a bank error and that this would be corrected and had nothing to be concerned about.  I was also told that since I was such good customer, the problem would be resolved that day.  They also said they would credit the dollar shortage since the bank was at fault.  The following months passed and I continued to receive late charges on my monthly statements.  I called every month and was told that the computer was not updated and that the issue would be resolved.  In XX/XX/2015, I sold the property and noticed that I was assessed a late fee of approximately $XXXX.  I called the mortgage company and was referred to a woman named XXXX. She stated that noone in the company had ever states that this was a bank error and my late fees would not be reversed.  I e-mailed her a copy of the check in question and she did see that it was written for the right amount.  However, she stated that she could not determine if the spelled out amount was written as a XXXX or a XXXX.  Because of this she said the bank cashed the check for the lesser amount and that it was not a bank error.  Therefore, she would not reverse the late charges.  I asked to speak with her supervisior, but was denied that request.  Not only did she admit that the check was written for the correct amount, but her associate also admitted that the check was correct.  They have my late charges form the closing already, but continue to write letters to me  regarding this. They also threaten to report this to the credit bureau.
Product: Vehicle loan or lease

My car was totaled in an accident. My insurance company paid off all of the loan, or what I thought was the entirety of the loan, but Capital One is claiming there 's still a small balance. I was unaware of the discrepancy. The car was sold as salvage titled and registered to another person.  Capital  One reported my car as repossessed or in the repossession process which is now preventing me from getting another car loan. How was the car titled and registered to another person if Capital One is still the registered lien holder and there 's still a balance due? How can Capital One repossess a vehical over a balance less than the original cap payment amount? I need the repossession removed from my credit immediately. This is affecting my lively hood as I am unable to get a car to go to work
Product: Credit reporting

I have been working with Transunion for a few months now, XXXX I think and they are giving me a hard time. I have XXXX accounts with XXXX that they are reporting 120 days late even though the account has a XXXX balance and I havent made a payment on it in months!! I dont know why they are doing this!!! They are doing the exact same thing to XXXX XXXX accounts. An account can not be 120 days late on a XXXX balance, it is just not possible!!!!! Its against the Fair Credit Reporting Act and the Fair Credit Billing Act ( I looked these up on XXXX. )
Product: Credit reporting

On XXXX/XXXX/2015 I applied with " XXXX XXXX XXXX '' on line to refinance my student loan. And I was wrongfully " denied '' credit based on the numerous " False Information '' that the " Experian '' Credit Bureau has in my credit file due to my being the victim of " Identity Theft. ''
Product: Student loan

This account was transferred from XXXX department of education to Nelnet. I submitted an account discharge request and it was approved. They took off {$50000.00} from my loan and they stated that I need it to pay the difference of the amount that was not approved so I submitted those payments and its showing now that I have a balance due of {$2500.00} when the correct amount should be XXXX and closed account.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute the inaccurate reporting of my late payment history on my credit report. My report currently reflects late payments for an account where I maintained timely payments, resulting in a misleading credit profile and unjustified harm to my credit score.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are obligated to ensure all information reported is accurate. The incorrect late payment history is a direct violation of this standard.
Product: Payday loan, title loan, personal loan, or advance loan

Asked for money to dispute my credit report collection instead of offering options to pay off the collections.
Product: Credit card or prepaid card

My name is XXXX XXXX. I've worked hard as a mother, sister, daughter and professional. My linked in is XXXX XXXX I woke up XXXX XXXX morning o find my husband dead XXXX XXXX XXXX. Since I have been dealing with XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during this time I was evicted illegally. Since I have been homeless in XXXX XXXX. I was XXXX  robbed XXXX  and XXXX XXXX. With no access to family or a phone I used XXXX XXXX  phone. He kept my information. Set up anytime alerts changed all of my contact and login information on an account that I have had since XXXX. NetSpend allowed this to happen. Allowed this felon to take {$14000.00} from me. Because I used his phone and we lived in the same area they found no error. I submitted a police report. He used his name to send XXXX XXXX His name on XXXX and over XXXX, on XXXX. It is winter I have nothing no home no money no food no winter clothes. Please help me get the money back I need to use to start over with my XXXX XXXX XXXX son.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I wrote Transunion and informed them of several inquiries that was on my report that was unauthorized and had asked them to contact the furnisher for proof of a signature that I applied for credit. I sent the letter certified mail with tracking number XXXX and was received from TransUnion on XX/XX/2019. I then received a letter from Transunion on XX/XX/2019 without the verification I had requested and was told the inquiries will remain on my credit report for two years. I then resent a second letter on XX/XX/2019 asking them again to provide me documentation with my signature that I had authorized for my credit to be ran by these companies with tracking number XXXX which was received by TransUnion on XX/XX/2019 and they still did not respond back with the requested verification I asked for in which I received on XX/XX/2019. I have given them over 30 days to provide me with verification and they still have not provided me with such.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX  Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Balance : {$8.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX  XXXX Original Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX Original Balance : {$3000.00} XXXX  XXXX XXXX  Balance : {$1000.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX  Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

WF has started reporting our VA mortgage as a installment loan and told us they told this at closing which we a lie as witness by our realtor which was an attorney and will verify, our WF loan office who left the company. They have a history of fraudulent behavior as late as last week in a suit filed by State of CA oaying a huge fine for fraudulent behavior in excess of {$200.00} M, previous they were fined for opening customer account without their knowledge switching money and all sorts of other behavior with our VA loan which was property with a permanent foundation making it unmovable. The WF bank filed a XXXX XXXX XXXX XXXX making it part of the real property and required us to set up escrow account to pay taxes and insurance and filed a trust deed making is real property. From XXXX to XXXX including the previous owners it was reported as a VA mortgage, they they started reporting as a installment fixed loan on the modular home Each and every time we filed the paperwork with credit agencies they would agree, and immediately WF would change to a mobile home loan or modular home installment loan. I have talked to many people who have the same permanent mounted home on property they own that is still reported correctly but when I found out they called me a liar, harassed us, dared us to file suit and numerous other threats and told us we could not beat them, the VA had us have our congressman look into it and they filed back they had the right to do whatever they wanted to do, filed with the XXXX where I found many complaints and the only -F XXXX rating, they then told me that they were following CIDA guidelines but when I called CIDA they denied this was correct and are filing a formal complaint I have documents to prove all of this including letters from the bank that they could do anything they wanted and nobody could stop them, guess that may be right as they are the most fraudulent proven bank iin America paying more in fines than anyother bank in history including a {$200.00} XXXX fine filed by State of CA where they paid but denied liability although who is the proof was not there would pay {$200.00} M They are so big they think treat people who fight them anyway and no one will bother to continue but I will keep fight all the way to filing a class action suit. 
They have stated they can can do whatever they want. 
Anyone wanting to join my class action suit please contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a collector who is constantly calling, and is insisting that I owe for an account which has been paid from Financial Aid ( FAFSA )
Product: Credit card or prepaid card

PayPal / Synchrony Bank opened a credit card in my name without my authorization.

I have cancelled my PayPal account, however this account still appears on my credit report. I have had a freeze on my credit for years and do not know how they were able to open an account without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Sure, heres the text from the image : I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

please oremove this innacurate date, this was a billing discrepancy. The bill was always paid 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX has provided false report to the credit agencies that is destroying my credit. I paid XXXX in full last year when I left them and XXXX XXXX tried to collect debt I did not owe to them last year for the same thing as well. They removed thier false report after I showed the receipt of my payment to XXXX but this Diversified is not removing the false information and they are ruining my credit
Product: Debt collection

ERC is reporting {$300.00} to an account not found by 2 of their employees
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXXXXXX XXXX XXXX, FL, XXXX EMPLOYER - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS XX/XX/2023 THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM XXXX CREDIT BUREAS.as of account XXXX XXXX XXXX XXXX XXXX the XXXX credit bureas removed this fraud account, and then between XX/XX/2023 -- -- XX/XX/2023 this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as XXXX not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible!

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!!

under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Product: Mortgage

Here is a brief summary of our complaint against Nationstar, which was originally filed through the CFPB on XX/XX/XXXX : 1. We feel like we were held hostage by waiting for approval until XX/XX/XXXX, literally the evening of the last day of the year. 

2. Nationstar stated the only option we had to save our property was an in-house modification which required us to request in writing our desire to opt out of the Tier 1 modification. Furthermore, they required a {$20000.00} payment up front.

3. The {$20000.00} payment was not applied to arrearages, but rather interest-only. We missed out on two years of earned equity. The arrearages were applied to the backend of the loan which put us into further debt. In addition, our principal balance was increased without any explanation ( please see attached payment history ).

4. After two years of paying interest-only, we were forced to reapply and start the process over, which yielded negative marks on our credit report, which impacted our ability to obtain loan and yielded higher interest rates.

5. We never received a complete response from Nationstar or resolution regarding the many issues we stated in the complaint.