23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Ive contacted Bank of America XXXX times. In those XXXX  times, Ive spent over and hour plus on the phone trying to resolve an issue, where their website is not allowing me to set up auto pay which almost causes me to miss my payments. In those multiple attempts to do so, they always reset my profile and promise it would work, but that is not the case. Every time I call back its the same resolution offered, with the initial outcome being the same. My last phone call on XX/XX/XXXX, where I spoke to XXXX XXXX ( floor supervisor in Arizona was the worse. I almost felt like he was trying to upset me for no reason. All he was doing was making the situation worse and reading from a script to tell me how to set up auto pay. Even after the fact I mentioned this is my XXXX time, he showed no sympathy on the situation and gave no other resolution. I even advised to see if he can reach out to a team from their technical department and he was ignorant to the extent that I just hung up. Imagine trying to set up your auto pay in XXXX different attempts, but one of the biggest banks in the worlds have yet to help you resolve that issue. Its almost as they want you to miss your payment so that you can incur late fees. This needs to be overseen by corporate. Because as someone thats been with you guys since XXXX, this is a terrible way to express your gratitude. Any other bank my autopay is set up with ease. This is ridiculous and almost looks like youre hoping a customer misses their payments so you can collect on late fees. Please look into this.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I paid a debt that i knowingly have no knowledge of. I paid it on XX/XX/XXXX as I am in the process of obtaining a mortgage and this collection came up on my credit report. I emailed the agency on XX/XX/XXXX for deletion as i paid the debt although its not mine ( to expedite mortgage process ) and to remove from all three credit bureaus. I have not received a response as of yet. Furthermore the agency is reporting different information on all three bureaus. XXXX shows an open date of XX/XX/XXXX and the remarks show placed for collection and account as open. XXXX  shows an open date of XX/XX/XXXX and the remarks show medical. My XXXX report shows an open date of XX/XX/XXXX and it being closed. I have never went by the name XXXX XXXX as that is what is being reported under my social security number in their agency database.
Product: Debt collection

Dear Sir/Madam, I am writing to bring to your immediate attention a matter of significant importance concerning inaccuracies in my credit report. I have identified several items that are not compliant with Metro 2 reporting standards, specifically related to the account managed by Midland Credit Management. I kindly request your prompt assistance in rectifying this matter.

Creditor : Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Allias : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of Last Activity : Last reported XX/XX/2023 Dispute Type : Metro 2 Compliance Violation I have thoroughly reviewed my credit report and found that the reporting for this account does not adhere to Metro 2 standards. I am formally disputing the presence of Midland Credit Management and any associated negative credit impacts. I urge you to take the following actions : 1. Immediately remove the entry for Midland Credit Management from my credit report, along with any associated negative credit impacts.

2. Perform a thorough investigation into the Metro 2 compliance of the reporting for this account and negative reporting credit items.

3. Provide a detailed response outlining the steps taken to rectify this situation within the statutory time frame. 

Midland Credit Management has failed to adhere to the Metro 2 reporting compliance standards, and failed in any supporting evidence, to facilitate the resolution process. I trust that you will handle this matter with the urgency it requires.

Please acknowledge receipt of this letter and inform me of any additional information or documentation you may need from my end to facilitate this dispute.

Thank you for your immediate attention to this matter. I anticipate your timely response and resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, I discovered the following accounts that I did not authorize, open, or have any association with : XXXX XXXX XXXX Account Number : XXXX Amount : {$XXXX} Opened : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : {$XXXX} Opened : XX/XX/XXXX These accounts were not opened by me, and I have no knowledge of these debts or transactions. I have taken steps to secure my personal information and believe these accounts are a result of fraudulent. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

This account is in violation due to the fact here are inaccurate information that is illegal under FCRA rule and regulation. This account payment history is not 100 % accurate and need some attention immediately under 15 usc 1681i ( e ) and 15 usc 16802b and 15 usc 1692c ( b ) ( g ). NOT VALID/ NOT COMPLETNESS/ NOT ACCURATE. 

PENNYMAC LOAN SERVICES L Account type FHA Mortgage Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 

Status updated XXXX XXXX Balance - Balance updated - Recent payment {$120000.00} as of XX/XX/XXXX Monthly payment - Original balance - Highest balance - Terms 30 Years UPDATE THIS NEGATIVVE ACCOUNT IMMEDIATELY. PAYMENT HISTORY DOESNT MAKE SENSE AND IT IS 100 % not accurate. 
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 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 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: Mortgage

I asked the bank to stop taking out my hazard insurance from my escrow. They closed my escrow account, sent me a check for the full escrow which I returned the next day. After four ( 4 ) phone calls they still have not reopened my escrow account and have not paid my school taxes which were due on XX/XX/2019.
Product: Mortgage

I filed a complaint with you ( the CFPB ) and my Servicer ( BSI FINANCIAL, AKA ; Servis One Inc ) no longer talks to me. BSI are very rude and tell me that since I have complaint to consumer Financial bureau, I have to speak to their attorney. They will not give me any status update. 

I Sent them a RSPA request and they have completely ignored it and refused to comply. I filed for a modification and they are not giving me any status update. They are pushing a foreclosure on XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

This is my 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XX/XX/XXXXXXXX Balance : {$1700.00}XX/XX/XXXX ( Original Creditor : XX/XX/XXXX) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00}
Product: Mortgage

We closed escrow on XX/XX/XXXX with the correct amount of property taxes accounted for in our escrow account in the amount of {$6200.00} for that year. Our mortgage company was XXXXXXXX XXXX which was then transferred to Flagstar bank XX/XX/XXXX. We received a refund check on XX/XX/XXXX in the amount of {$1200.00} from Flagstar I was informed that it was an overage from our previous mortgage company and to keep it. Flagstar decided to incorrectly reassess our taxes lower despite having the necessary info and tools to verify that there should not be a lower tax amount per XXXX  tax rules. They adjusted it down to an unrealistic amount per our purchase price of {$500000.00}. Our mortgage was originally {$2800.00} with XXXX XXXX, and with Flagstar our mortgage decreased to {$2600.00}. 
Now due to their error they readjusted our payment Significantly higher to correct their own mistake and purposely put us in a XXXX XXXX, with an increase in our mortgage of almost {$900.00} giving a new payment amount of {$3400.00}. 
Our address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Loan number XXXX
Product: Debt collection

This company apparently bought this account from another agency that tried to sue me on account that was paid off. The other company that had the account brought the case to the local court where I lived and the case was dismissed by the local court by pursuant L.C Rule 12.02 Dismissed without prejudice at their cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and LCI ( XXXX XXXX ) has violated my consumer rights by reporting a bankruptcy illegally on my consumer report. I did not directly or indirectly give neither XXXXXXXX XXXX or XXXX or XXXX permission or consent to furnish my information. According to 15 usc 1681 ( A ) ( E ), 15 usc 1681C ( A ). They are violating and breaking legislative law thats put in place to protect me, the consumer rights. The XXXX  bankruptcy court in XXXX notified me that they do not furnish personal information to any CRAS. This is my first complaint.
Product: Checking or savings account

I was charged overdraft fees on XXXX for a transaction for {$380.00} that posted on XX/XX/XXXX but I wasn't given 24 hour grace period. I made a deposit on XX/XX/XXXX, before the 24 hour cutoff to cover the amount. 
I was charged an overdraft fee on XX/XX/XXXX for a {$100.00} transaction that occurred on XX/XX/XXXX, I made a transfer on XX/XX/XXXX to cover the transaction. I was not given 24 hours. This is repeatedly happening.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a fraudulent items that are still reported on my credit file, the fact is, I had already been disputed them. I believe that my consumer rights have been violated, and I am seeking assistance in resolving this matter. I kindly request that you could help me investigate this matter and work with the concerned parties to resolve the issue in a fair and timely manner. I believe that my consumer rights have been violated, and I am seeking a just resolution for these following items to be removed immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX Balance : {$950.00} ; ; XXXX  XX/XX/year> ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$950.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$950.00}.
Product: Debt collection

I checked my credit report and found that this company Transworld systems input a collection on my credit that was unknown to me. After sending a VOD to this company they sent me something stating it was a statement from the company XXXX XXXX XXXX. I reached out to the company to ask why and what was this debt that they were trying to collect on being that I did not owe a debt to them. I rented an instrument for my XXXX  during the school year of 2018 and it was returned with no problems and no balance due. The rep said she didn't know anything and wanted me to call the collection company. I asked why would I need to call a collection company when your company is the one that is trying to collect on a debt that I know nothing about. I asked for the corporate number so I could get the facts of what's going on with this account and why is this just now coming out. She told me that was the corporate number I called and then proceeded to tell me that she was going to hang up the phone because she didn't have anything else to say to me. I told her I need her to make me understand what is this amount they are trying to collect when clearly the instrument was returned and I have a receipt. From there she still did not want to look into this situation. Told me it wasn't her company and I just need to speak with the collection agency. I told her this isn't right but could not get any further with this rep. I have attached the receipt I received from the rep at the store after returning the instrument and I have also attached what this collection agency has sent me saying I owe this amount. That I know I do not owe. The current balance as well as total account balance shows XXXX so how could they possibly try to collect on anything when the amount is XXXX owed?
Product: Credit reporting or other personal consumer reports

FCRA vioations not mine not my loan XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$14000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$26.00}, XXXX written off. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment {$250.00} as of XX/XX/XXXX Monthly payment was never late XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Child Support Responsibility Individual Date opened XX/XX/XXXX Status Open. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment {$1000.00} as of XX/XX/XXXX Monthly payment {$1100.00} Original balance never lived here XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family not my phone numbers ( XXXX ) XXXX ( XXXX ) XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquires XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX # XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on multiple occasions to discuss my dispute far as my bankruptcy. It has been on multiple occasion, where I have been lied to. I first reached out to Experian on XX/XX/XXXX by a way of mail, to let them know that the reporting of my Bankruptcy is showing incorrect. Then they sent me a letter back stating that it came back verified and that they updated information. I was confused on how it can be verified so quickly as courts were starting to close due to Covid-19. I began to wonder if that had even contacted the bankruptcy court to begin with. 
So, I questioned Experian and their validity to see if they even began to do their due diligence to contact the Bankruptcy court. So, I asked them how they verified this, who did they contact and how they contacted them. They told me that they did not verify it. I was in complete shock when I found out this as this could be a violation of the Fair credit reporting act. They told me that a third party by the name of XXXX XXXX has done it. I was still shocked to know they did not do a throughout investigation and then marked my bankruptcy as verified. 
So, I contacted XXXX XXXX to discover how they verified the information and did they follow the rules Experian was supposed to follow. They then sent me a letter in the mail stating that the information they received was verified through the bankruptcy court in Tennessee. I was shocked that Tennessee court did such a thing, so I contacted Tennessee bankruptcy court along with the bankruptcy court of Illinois. 
I reached out to both courts to discover that Experian and XXXX XXXX had been lying to me this entire time! The letters that I received back from both courthouses clearly shows a violation for both entities. The letters clearly state they did not provide nor verify information with these entities. Along with how these courts do not provide any information at all to the bureaus. When I had a phone conversation with the Clerk she expressed how she felt that these companies continue to fib to the American people ; and also Tennessee does not have my information on me because its not the state I filed with. She was so flabbergasted they did this because she could not even look me up in her system. All of which is a violation of the FCRA and is dishonest way for a major bureau such as itself to act.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

1. Account name : XXXXXXXX XXXX Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX Account number : # XXXX XXXX. Account name : XXXX Account number : # XXXX XXXX credit reporting agency continue hurting and damaging my consumer rights by double-dealing in a clear act full of bad intentions and dishonesty giving unfairly advantage to creditors and denying me the opportunity of a home financial to advance in life based on the negative information reported on my credit file. 

I was informed by this credit reporting agency that the Account name : XXXXXXXX XXXX : Account number : # XXXX was DELEDED from my file. 

XXXX lied to me and the CFPB since the account : XXXX XXXX  : Account number : # XXXX above still show on my credit report. 

I filed a complaint with the CFPB. Complaint # XXXX in which the company responded the account above was deleted from my credit file I filed a complaint with the CFPB. Complaint # XXXXXXXX XXXX trickery continues furnacing disputed and previously deleted information from my credit file. 
I have summited to XXXX credit report agency theft reports several times : FTC REPORT # XXXX FTC REPORT # XXXX I request XXXX supplied proof of the alleged debts, writing contracts, copies of writing permission, copy of my driver 's license and copy of social security. 
Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 
I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX2024 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX  Account # : XXXX Amount : {$950.00} XXXX. XXXX XXXX Account # : XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Amount : {$570.00} XXXX XXXX Account # XXXX Amount : {$950.00} XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Amount : {$2700.00} XXXX. XXXX XXXX XXXX Account # : XXXX Amount : {$0.00} XXXX. XXXX XXXX Account # : XXXX Amount : {$0.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as Letter, Driver 's License and Social Security Card.

Please ensure that these documents are taken into account during your investigation. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 
If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as to notify all parties who received my credit report in the past six months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX