23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly, Bank of America purchased my loan from XXXX XXXX  company. XXXX had just dropped the illegal escrow account due to a letter written to the Texas Attorney General 's office. We were never reimbursed the over-payments made to XXXX. However, when Bank of America purchased the loan, they added the escrow account back to the account at a deficit. My original loan dated XX/XX/XXXX, includes a signed escrow waiver agreement that states, I requested a non-escrowed account ( document included ). I also signed a truth in lending disclosure statement ( document included ) that ensures I am responsible to pay my own insurance and property taxes.
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Secondly, the mortgage account was tax exempt during the XXXX, XXXX, and XXXX  years. Due to my military service, I am a XXXX XXXX XXXX XXXX veteran ( document included ). I contacted Bank of America informing them of the tax exemption. Bank of America continued to place illegal escrow, forced placed insurance ( self purchased insurance copies included ), special assessments, miscellaneous postings, late fees, misapplied payments and escrow shortage charges. With tax exempt accounts, there should not ever be escrow charged to the account. Either way, my account should never have been charged.
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Thirdly, please review my credit history ( included ) printed on XX/XX/XXXX. No missed payments except for Bank of America. My credit history for all other accounts have an A+ payment history. Bank of America, fraudulently reported negative payment history to the credit bureaus. With my mortgage loan having a signed escrow waiver agreement and my 100 % tax exemption status due to my XX/XX/XXXX military XXXX rating, the escrow payments should not ever have been collected. Me and my family have suffered unnecessary hardship because of Bank of America 's fraudulent charges, incorrect credit reporting and excessive fees.
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On XX/XX/XXXX, my credit report was marked as 120 days late. I contacted XXXX, at Bank of America, for my account to be reviewed, due to my new tax exemption status. He stated that my account had been reviewed, per my request, and that B.O.A was making corrections to my account and would send the updated credit report to the credit bureaus. On credit report date, XX/XX/XXXX, B.O.A had made the necessary corrections and marked my mortgage account as " pays account as agreed ''. This year, XXXX, Bank of America made major changes to my credit report by stating that my mortgage account had 25 missed payments. All of the errors on my account are completely illogical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market for anew XXXX XXXX so went to see about getting one from XXXX XXXX but did not get approved so I checked my credit report and I see a couple of items that are not mine. I contacted my local police and the FTC. I'm working on my own behalf. I need these items removed from my credit report because this is a complete inconvenience. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information I have submitted the correct information, but the continue to report what they want instead of what i sent them about me. 

addresses phone numbers names jobs
Product: Debt collection

Spoke with representatives and remitted 2 separate payments, {$510.00} for account ending XXXX and {$530.00} for account ending XXXX. Representative stated that, as per settlement agreements these payments would be accepted as " payment in full '' for account balances. I responded to the offer to retire these debts, and proactively reached out to the company. 

Credit report shows balance of {$480.00} for account XXXX and full balance for account XXXX. The company did not honor their part of the agreement ; it took the one payment {$530.00} applied it to the balance but did not update balance to XXXX  as agreed on their recorded line and documents mailed to me. Secondly, the company took the agreed settlement amount for account ending XXXX and simply did not report any payment all. 

The company has violated their part of an agreement initiated by themselves. 

I spoke with representatives today ( 3, including one supervisor ). All of them attempted to transfer me to someone else and not one of them could give a reasonable explanation of why my payments are not reported and/or why they are not honoring the settlement agreement. 

American Express has misled me into believing that if I remit a fixed amount - settlement amount - they would accept those payments as " paid in full ''. However, they have completely abandoned their part of the arrangement.
Product: Mortgage

Have been faxing for a year to get loan modification! XXXX XXXX on loan only, grant deeded and power of attorney to XXXX XXXX, ( proof have been sent ) Bayview said ad XXXX XXXX on paperwork see inclosed! Have XXXX and XXXX on seperate paperwork can afford modification paperwork if XXXX can have someone look at paperwork, sending proof again!!!!!!!! Not sure why modification paperwork can not be reviewed! Have proof of faxes and papework for a year! And XXXX my cousin has been helping me they never call him XXXX!
Product: Credit reporting or other personal consumer reports

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF EDUCATION/XXXX  XXXX Balance {$8700.00} DEPT OF EDUCATIONXXXX XXXX Balance {$7000.00} DEPT OF EDUCATIONXXXX XXXX Balance {$3800.00} DEPT OF EDUCATIONXXXX XXXX Balance {$1400.00} XXXX  XXXX XXXX Balance {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with accounts which are fraudulent and they need to be deleted
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXXXXXX  i attempted to disupte my address information online with experian. I waas unable to, but directed to call a phone number instead. I spke with a XXXX rep with XXXX accent. I told him that I wanted to delete all my old addresses and add my new address. He told me that I could not delete my old address as they are tied to accounts and told me to contact those accounts and have them update my address. I protested and told him that I dont think that was right and asked to speak to supervisor or someone in fraud department. The second XXXX  who sounded XXXX  XXXX assisted me. I told him that i lost my home in foreclosure back in XXXX and I need that address deleted. It was the XXXX XXXX  XXXX  location. I also asked for XXXX XXXX XXXXXXXX to be deleted and for my name to be shown as XXXXXXXX XXXX XXXXXXXX. He claimed he disputed everything. I gor an email about the update. However, when I went back to check, only 1 of the 3 addresses were disputed and no of the names. I recorded this call as well. please email me at XXXX for copy of recording
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 XXXXXXXX XXXX  ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my NelNet account and updated my new address on XX/XX/2020. I contacted a NelNet representative who stated that they update the 3 bureaus at the end of each month XXXX XX/XX/2020 ). 

I called NelNet yesterday XXXX XX/XX/2020 ) and spoke with a representative who stated that they are not responsible to report profile updates to include a change of address to the 3 bureaus.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To begin, I would like to ensure you have and ONLY keep ongoing, TRUE, CORRECT, COMPLETE, and MANDATED recited facts In agreement with FCRA regulations, any and all others that possibly can be described now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all not appropriate of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious info be it precise or unknown! 
Again, I DO NOT AUTHORIZE you to misreport any mis-information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles. 
( a ) I do NOT have any necessarily OTHER NAMES or aliases and I do NOT covet any OTHER NAMES or aliases to be retained or expressed, if ANY efface from reporting NOW or produce PROOF of your legitimate AUTHORITY to cling to much less report without infringing my consumer right ( s ).

( b ) I do NOT have any preconditioned to be OTHER addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY eliminate NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).

( c ) I do NOT have any needed OTHER SSNs and I do NOT desire any OTHER SSNs to be retained o r disclosed, if A N Y blackout from reporting NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s )..

( d ) I do NOT have any OTHER Dates of Birth and I do NOT have wish for any OTHER Dates of Birth to b e retained or communicated, if ANY expunge NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( e ) I do NOT have any telephone numbers and I do NOT have compliant-like salacity of or for any telephone numbers to be retained or made known, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT have ambition for any employers to be retained or reputed, if ANY exclude from reporting NOW or product PROOF of your Page 1 of 7 legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).

( g ) I do NOT have any spouses/ roommates/ co-applicants and I do NOT aspire for any spouses/ roommates/ co-applicants to be retained or divulged, if ANY omit NOW or product PROOF of your legitimate AUTHORITY to much less report without infringing my consumer right ( s ).
Product: Money transfer, virtual currency, or money service

Cash app by square is deducting money from the account but the card is declining during transactions and they did not notify any consumers of an issue with this and have no time table for a fix. No way to contact them outside of social media
Product: Mortgage

I was assessed late fees even though I did not receive statements. After 9 months with a Navy Federal Credit Union HELOC, I enrolled in electronic delivery of my statement. Unbeknownst to me, this halted statements. I did not receive them via email, text or through the USPS. According to the Mortgage Servicing Agent I spoke to on XX/XX/2023, once I selected electronic delivery, I would only receive a notification when I logged into the NFCU App. That's no more useful than a doorbell that only rings when the door is opened. NFCU 's system did send a text after the bill was part due and a late fee was assessed. 
I've brought the mortgage current and disputed the late fees. I write now because others may be simularly harmed. NFCU should be forced to change their system so that it at least offers the option to receive texts or emails when the bill is due
Product: Debt collection

I was contacted by Monterey Financial and spoke to a representative. She asked to speak with XXXX. My name is similar but not XXXX. I told her that I saw their company name on my credit report so they definitely have an open collections account but my name is not XXXX, last name was correct however. I explained that I am a victim of identity theft and she hung up on me. I called back and was repeatedly hung up on after explaining the situation. They said since they couldnt verify the account was mine, they couldnt speak to me. They did not ask for any other information to verify the account, only my name.
Product: Credit card

I have Discover card ending XXXX. In XXXX of 2023 I had a balance on this card {$14000.00}. 
On XX/XX/2023 The convenience check issued by XXXXXXXX XXXX XXXX XXXX with my wife 's name : XXXX XXXX was cleared by Discover. The amount of that check was {$14000.00}. That check number was # XXXX. My wife run into a problem with XXXX : XXXX insisted that the check was not # XXXX, but # XXXX. The problem - # XXXX is not promotional check, and 20.24 % ( instead of 0 % ) XXXX started to accumulate. On XX/XX/2023 my wife spoke with XXXX and XXXX asked me to get the evidence from Discover that the check Discover cleared for {$14000.00} had number # XXXX. On XX/XX/2023 I called to Discover and spoke to agent XXXX. I was provided " memo line XXXX - XXXX ''. 
On recorded phone call I was promised to get e-mail dated XX/XX/2023 and paper mail confirming that the check cleared by Discover was # XXXX. The promised e-mail never came. However, on XX/XX/2023 I got e-mail asking to call Discover to discuss important matter. I called to learn from agent XXXX that both e-mail and paper letter will not be sent. She said that agent XXXX made mistake trying to help me and my wife to promise those letters. I asked XXXX to transfer me to a supervisor and provided my work number for supervisor to call me during business hours as I don't have mobile reception on my phone being at work. XXXX wrote the number, however the supervisor called twice on my cell and left message to call back at the number on the back of my card. I called back and spoke to somebody XX/XX/2023. The representative said that the letters verifying check number were sent XX/XX/2023. When I asked to resend e-mail as I never got it, the representative said that she can't. All I need is the letter from Discover stating the check # .... paid to Discover XX/XX/2023 I'm attaching Discover statement showing payment {$14000.00} XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate late payments reported by Experian on my XXXX XXXX XXXXXXXX account ( XXXX ). As a credit reporting agency, Experian is legally required under the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ) to ensure maximum possible accuracy in consumer reports. However, my account is being incorrectly reported with a payment status of " Current, was past due XXXX XXXX XXXX times, '' while other credit bureaus correctly reflect it as " Paid or paying as agreed. '' This inconsistency clearly indicates that the information on my credit file is inaccurate and must be corrected immediately. Additionally, under 15 USC 1681b ( a ), a consumer report can only be furnished for permissible purposes, and disseminating incorrect and damaging information does not serve a legitimate purpose under this section. The late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect and must be REMOVED from my credit file. I am formally requesting that Experian remove these inaccurate late payments and update my payment status to match the correct reporting reflected by other bureaus, ensuring consistency and compliance with federal law. I expect written confirmation that these corrections have been made and an updated copy of my credit report reflecting the changes. If this matter is not resolved within XXXX days, I am prepared to take further action, including holding Experian liable under 15 USC 1681n for willful noncompliance and 15 USC 1681o for negligent noncompliance, as well as exploring all available legal remedies to protect my rights.
Product: Debt collection

I get multiple daily phone calls from the number XXXX that are hang ups or messages left to call. After researching the number I found a website where many other people experienced the same treatment or worse from the company who makes these calls. It is a debt collection company whose name I have listed below. 
Regional Adjustment Bureau , Inc. 
Phone : ( XXXX ) XXXXXXXXFax : ( XXXX ) XXXXXXXXAddress : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXXI received my credit report only weeks ago and have no outstanding debt so I do n't know why I am being continually harassed daily by this company and how they are allowed to continue.
Product: Credit reporting or other personal consumer reports

On the day of XX/XX/XXXX My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects The confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
On the day of XX/XX/XXXX The Privacy Act of XXXX was also violated The Privacy Act of XXXX was created to protect individuals from unwarranted invasions of their privacy by federal agencies. It also established a code of " fair information practices '' to govern how agencies collect, maintain, and use personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$970.00} XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX ( Original XXXX : XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy US BKPT CT XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Debt collection

Portfolio Recovery continue to call my work phone and give details about a collection to whom ever answers the phone. 
I asked them to contact via mail only and the call me supervisor risking me my job
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following accounts violate 15 U.S. Code 1666b, are inaccurate and must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I received a late payment notification from the Target credit company, I never received any card statements or payment due dates for the credit card. I plan to pay the owed balance on the credit card.