23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The Bank of America has closed my bank checking account on XX/XX/2020 without any reason. The case number of BOA is XXXX. Also, BOA has reported a suspected fraud activity on my credit reporting. But I did not do anything wrong. I have received funds from overseas which was my parents send to me. That fund is clean and trustworthy. As you know, the XXXX government controls foreign currency very strictly. So my parents have to separate the fund and send them to their BOA account and transfer to me late. That is the only way I thought may BOA is not satisfied.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars and interest every month. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am Im asking you to verify as accurate : Account name : XXXX  Account number : XXXX Account balance : {$56000.00} DATE OPENXXXX Account term : XXXX
Product: Debt collection

XXXX XXXX courts as well as XXXX XXXX XXXX. XXXX which is the debt collector was aware of how to located me. 

XX/XX/2022 the above company was aware that I was the XXXX XXXX XXXX attorney, And per 15 USCS 1692 ( c ) communication in connection with debt collection talked about after attorney is stated they must only talk with the attorney representing the debt collectee. 

The above company was well aware of how to communicate with me since I was/am in prison. They chose not communicate with me directly and instead communicated with the previous known address. 

There are many more violations other than the ones I wrote about.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquires on my report that I did n't authorize I first reached out to all of the companies listed on all XXXX credit bureaus reports after 60 days and no hearing anything I sent letters to the credit bureaus they sent letters back telling me to reach out to the companies which I already did. So I called and all XXXX bureaus did the same thing. They told me there is nothing they can do! This has been going on since XXXX XXXX. I have never applied for something and not been approved. So all the inquires on my reports are not accurate!
Product: Student loan

XXXX University through ECSI. This would be the XXXX time my bank account number has changed ( I was not the one to change it XXXX and a payment has subsequently not been processed. They then charge late fees. I am unable to even check my bank account information for accuracy on their website. 

Furthermore, upon talking to a representative I was informed my bank account did not have a proper amount of numbers even listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion File # XXXXXX/XX/XXXX TransUnion under Promotional Inquires has companies still inquiring on my credit report after I have filed and sign a notice of election form to stop all Promotional Inquires I filed back in XX/XX/XXXXand still see promotional Inquires
Product: Mortgage

Ditech holds our first mortgage. We are supposed to have an escrow analysis every XXXX. They did not correct a shortage in XX/XX/XXXX but rather hit us with now two shortages in XX/XX/XXXX. There are reviews online from others who have been hit with this problem as of XX/XX/XXXX. In all cases, consumers are being asked to make up shortages which go back into prior years. One can either add the shortages to the mortgage loan and pay increased amounts for the next year, or write a check for the shortage within two months. This is a hardship for us, and apparently for many. Ditech needs to review these issues now. It is not surprising that they are having bankruptcy problems. And, if you do not have the money to pick up and move your account, you have nowhere to turn. There are too many complaints online to be ignoring this situation.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Mortgage

Shellpoint claims a check was issued and sent to the Tax Collector to pay for property taxes. Said check was never received by the Tax Collector and I had to pay for property taxes out of my pocket to avoid late payment fees. Bank is unable to track payment, refuses to provide proof of payment and credit my escrow account. I requested escrow account to be closed several times but haven't been able to get a response from the bank. I proceeded to send payment for principal and interest only, now the bank is threatening to report me to credit agencies for late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there are unauthorized inquiries on my report that I do not know where they come from. I have tried to contact the companies but I was told to contact the credit company. The following inquiries are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian need to update the records - please see XXXX letters ATTACHED From XXXX. XXXX XXXX - ABOUT FLIP THE HARD INQUIRY TO SOFT INQUIRY XXXX. XXXX XXXX XXXX ACCOUNT CLOSED - PLEASE SEE LETTER FROM XXXX REMOVAL OF ACCOUNT. THIS ACCOUNT HAS BEEN REMOVED SINCE XX/XX/2021 FROM OTHER BUREAUS, BUT STILL EXISTING WITH EXPERIAN. DATA FURNISHER HAS PROVIDED THIS INFORMATION TO ALL BUREAUS AT ONCE. BUT EXPERIAN IS NOT REMOVING FROM THEIR RECORD.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!
Product: Debt collection

XXXX from Cash One called and left a message on my phone indicating that my payment had returned and to call them back to avoid late fees on the account. They gave their hours of operation and ended the phone call. She called from phone number XXXX.
Product: Debt collection

On XX/XX/XXXX I received a call from XXXX XXXX from Dynamic Recovery Solutions regarding a debt I had never heard of. When asked he said it was from XXXX XXXX? a company i do not know. I asked him how old this debt was and he said it was from XXXX, thus clearly barred. He said he was from XXXX, SC and his phone number was XXXX. He told me it was a valid debt and I had to pay it. He indicated he was working for some finance company who had obviously bought worthless debt and he was pursuing it. Beware!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When Covid-19 hit, we were unsure if payments would be made on our home mortgage, I called them and they graciously extended 90 days due to the crisis - called forbearance- noting that full payment must be made for the three months plus the month coming, which I agreed would be fine. I recently checked my credit score and noted that the forbearance was reported and it dropped my credit score by 30 points. This is cruel and unusual punishment for a person who has NEVER missed a payment, EVER. Plus, we had decided to go ahead and bring our account current by making two payments on XX/XX/XXXX, and today, I received a call from the mortgage company wanting to know what we were going to do XX/XX/XXXX. I'm upset on two fronts that calls were made in an attempt to collect a debt that was already paid current - plus, taking a credit report hit that was totally undeserved since the entire country is in a crisis ... ... .just thinking that these actions were not only uncalled for but very unfair to my personal credit and I would like to have satisfaction on this complaint by way of punitive measures against XXXX XXXX XXXX, whichever is claiming ownership at this time - maybe even a monetary penalty as well. Needless to say, I will be looking to refi with a different company asap. 

I own and operate a small business ( manufacture lab furniture for schools ) and my personal credit drives many decisions that our vendors make regarding extending credit to my company - this negatively impacts not only me, but my company and it's 10 employees. The ripple effect is very strong in my eyes, and this action damaged myself and my company.
Product: Credit reporting or other personal consumer reports

I mistakenly put on you guys website that my information was incorrect on my credit report. This was done in error and my information is in fact correct. When a lender tired to pull my equifax report it states that the information on my report is fraudulent and not correct. Ive spoke with equifax had them to remove any fraud alerts but the lender is still unsuccessful at pulling my report and the only thing I can think of is when I came to be cfpb website and entered the information incorrectly.please help me with asap. Never been
Product: Mortgage

JP Morgan Chase Mortgage obtained my banking information from my current mortgage servicer without my permission and used the information to withdrawal funds from my account without my express permission. To be clear, Chase Mortgage took funds WITHOUT my permission or knowledge. 

At present the funds have not been returned to my account.
Product: Debt collection

In XXXX of XXXX, I was getting off work when my dispatcher said there was someone trying to get into contact with me. That person was this debt collector and that's how they initiated contact with me to pay. This started all of the harassment that followed until XXXX when I was trying my best to pay what I owed. They wouldn't work with me to try and pay even while I was struggling to pay bills at the time. After XXXX, after trying to negotiate some kind of payment, they listed my account as refusal to pay and had not contacted me since.
Product: Credit reporting, credit repair services, or other personal consumer reports

SAGE STREAM I applied for a credit card for Ann Taylor XXXX through Comenity bank on XX/XX/XXXX. 
I had a card with them for years, but canceled it in XX/XX/XXXX when XXXX and Ann Taylor cards merged. I did not receive credit for clothes I returned, so I canceled my  acct since they were having so many problems while they were merging cards. 

I applied for a new card on XX/XX/XXXX. They refused to give me one. I have EXCELLENT credit. I called XXXX and Commenity bank and asked why, and they said they could not tell me. They told me to call XXXX XXXX. XXXX XXXX said they could not tell me either, but would send me a letter. 

The letter of XX/XX/XXXX said, " We are unable to approve this application at this time because the information provided by the credit reporting agency has indicated that the applicant is deceased. '' I was concerned I had fraud, so I got credit reports from XXXX, XXXX and XXXX. Everything was correct and my XXXX is still very good. 

XXXX XXXX said that I should contact XXXX regarding my consumer file. XXXX said that they did not see a deceased statement on my file. 

XXXX XXXX refuses to help correct this information, so I am placing a security freeze on my account. 

Who is XXXX XXXX and why are they creating so many problems for people? 

Please take action and help consumers. 

Thank you! 
XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting data and a credit score to XXXX  XXXX XXXX. The score is horrific and contains two major negative items which are not related in any way to me and has been confirmed by XXXX  XXXX XXXX as not relating to my credit relationship with them. 

I have tried contacting TransUnion on multiple occassions to access my account but they claim they have no record of me which is wholly and totally untrue. They are reporting data to XXXX  XXXX XXXX about me, whether it is correct or not and hugely impacting my life with this incorrect information. And when I try contacting them about it, they continuously tell me they have no information about me. I have called five times and i have been passed from one department to another with no remedy. I can not accept this anymore and TransUnion must be held accountable. My life is being ruined by them and I can't even access what they are publishing about me to my bank. This is a living nightmare and there is no way to hold them accountable. They have recommended I simply 'wait ' a couple of months. It's totally unacceptable. Every day continues to negatively impact me with TransUnion taking no steps to fix their errors. 

Please help me
Product: Credit reporting or other personal consumer reports

This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The representatives I spoke with over the phone were exceptionally rude to me during the entire phone call. XXXX representative, XXXX, went so far as to say " What do you want? '' over and over again while I was trying to explain the situation to her. She purposefully would not let me get a word in and then tried to transfer me to another person. Another representative said to me in these words " do you think the property management company is just jerking ( or something like that ) you around and that you actually do owe the debt '' while I was explaining to her that the property management company had already reached out to IQ Data multiple times to notify them to close the account because this is not a valid debt so on and so forth. All of these ladies spoke to me like I was a criminal who had been judged guilty of a crime ( even felt racially motivated ) instead of looking in the appropriate place in their system to find out that XXXX XXXX had reached out to them multiple times stating that this account was supposed to be closed and that we do not owe a balance like a supervisor did by the name of XXXX XXXX. It took about XXXX or XXXX calls to get to XXXX who was professional the entire time with the first call starting at XXXX XXXX XXXX  which lasted about XXXX minutes. The other calls occurred after that. It seems like the representatives were laser-focused on being rude and collecting a debt whether I owed it or not while the supervisor was focused on actually resolving the situation. I've never called a company and had XXXX or XXXX people in a row be this rude to me while trying to resolve a business situation. I feel that anyone who pulls the XXXX or XXXX phone calls and listens to how rude these people were to me would feel that those employees/contractors would need to be investigated for intentionally ignoring the information available to them in their company system and maliciously attempting to collect a debt from a debtor even though the debtor doesn't owe the debt. I'm not sure if they receive an incentive to collect debts from debtors but that's what it seemed like with how rude they were and how everything I was saying was ignored. XXXX time is a mistake but XXXX times is a pattern. Not to mention my wife and I have worked exceptionally hard on our credit reports since before XXXX and to have my XXXX XXXX XXXX XXXX and my wife 's drop XXXX and these representatives purposefully are trying to make us pay for something that we do not owe to gain an incentive is criminal.
Product: Credit card

I had 2 credit cards with Capital One that were both closed when I got behind on the payment. I was in a car accident and was experiencing financial hardship. I paid the balance due for both cards in XX/XX/year>XXXX  & received another statement with interest fees and late fees for XXXX. I spoke with customer service and they stated I had interest from the previous month that carried over. I received an email with a {$0.00} balance. I didn't agree with the balance due and asked to waive the late fee but they refused and said I would receive a new statement next month for interest. I asked how to close the account and they confirmed it is closed but I would continue to be charged interest and it can go to collections of not paid.
Product: Checking or savings account

As of XX/XX/XXXX, PNC had withheld a check for no reason that i had deposited. The company regularly states that if a check is deposited, that the following day the funds will be available. I had deposited my check into my checking account on the XXXX between XXXX and XXXXXXXX XXXX. The brach is  PNC in XXXX Pa.. When i called to see why the funds were not available the next morning, the service department had stated that the bank the check was drawn from, had stated " the items would not be paid '' and that the funds were unavailable. When the funds were actually already transferred accordingly on time from the bank the check was drawn from. PNC is lying to customers, withholding funds, and telling lies of other companies that there checks are bouncing. this causes a financial hardship on the consumer and the companies that PNC has fraudulently lied about stating there checks are not good for cashing, and funds not available. The company also lied about having customers funds available the next day when that is not true. This had caused a financial hardship on myself from there lies and manipulation of customer funds. an investigation needs to be applied to this companies business practices as they are violating banking laws.
Product: Credit reporting or other personal consumer reports

This dispute against TransUnion and their sham investigation processes, which will be to challenge their investigative process, demand proper verification, and move for deletions of unverifiable and invalidated data. ( See Attachments. )
Product: Debt collection

I am writing to formally lodge a complaint against Spring Oaks Capital LLC for violations of consumer financial protection regulations, specifically referencing 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 15 USC 1681-S 2 ( 7 ) ( A ), and 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

The basis of my complaint revolves around a series of actions taken by Spring Oaks Capital in relation to a debt allegedly owed by myself. I received communication from your company regarding the debt in question. However, I have reason to believe that your actions have contravened several federal regulations, including those outlined above.

Firstly, according to 12 CFR 1006.34 ( b ) ( 5 ), consumers are entitled to receive certain information regarding their debts upon request. Spring Oaks Capital failed to provide adequate debt validation as required by this regulation. Additionally, 15 USC 1681-S 2 ( 7 ) ( A ) mandates that debt collectors must provide consumers with specific disclosures regarding their rights under the Fair Debt Collection Practices Act, which were not provided in the communication I received.

Moreover, in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I formally request that all communication regarding this debt cease until such time as Spring Oaks Capital can provide the necessary documentation and validation as required by law. Furthermore, I request proof of your company 's licensing and bonding status, as mandated by federal and state regulations. 

Lastly, I request a copy of the purchase agreement between Spring Oaks Capital and the original creditor pertaining to the alleged debt. This information is crucial for me to verify the legitimacy of the debt and to understand the basis for Spring Oaks Capital 's claim.

I urge Spring Oaks Capital to promptly address these concerns and take the necessary steps to ensure compliance with federal regulations. Failure to do so may result in further action being taken to protect my rights as a consumer. 

Please acknowledge receipt of this complaint within [ mention a reasonable timeframe ], and provide updates on the progress of your investigation. 

Thank you for your attention to this matter. I expect a swift and satisfactory resolution to this issue.
Product: Checking or savings account

XXXX Lost wallet and ID document, SSN, Driver license, Green card , 3 XXXX XXXX XXXX credit card , 1 XXXX XXXX XXXX debit card , XXXX  ID and Driver license, 1 XXXX XXXX credit card. 

XXXX Notice from XXXX about the Inquiries viewed by others. That have unauthorized account below was open. 
1.XXXX XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX, XXXX, NY XXXX 2XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX 3.XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Notice the call center about the identity theft. The representative explain that account will be frozen during the investigate and will be close after they are finish the investigation.
Product: Checking or savings account

This is a complaint associated with other compliantID # XXXX. 

I am writing this as I have two accounts with citi bank ( checking and savings ). 

Both of my money needs to be returned back as citi bank said it will be closing my account and asked me to submit the proof of funds. 

So I am writing this.
Product: Debt collection

Date XX/XX/2024 I have automatic payments Oportun.com Payment {$170.00} They can't apply my payment. 
The payment was charged and reflected on my checking account. 
I already have two claim numbers XXXX XXXX