23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed for Chapter XXXX Bankruptcy in XXXX. My mortgage was not included in the bankruptcy. I have continued to make payments to Bank of America XXXX a month, every month, and have never missed a payment or ever been late. Bank of America ( BAC ) debits my account themselves twice a month. On checking my credit reports this year, I found that BAC has given me a negative rating starting XXXX. It started with a N/R rating, then on XXXX it went to an X for unknown. They also stated that this account was closed XXXX/XXXX/XXXX as well as discharged in the bankruptcy of XXXX. Again, IT WAS NOT INCLUDED! I have all my statements from BAC, my bank, and even an escrow account review that begins XXXX and ends XXXX, showing that I have paid every month. The previous credit report that I received in XXXX stated from BAC, that I paid as agreed, was current and never late. And nothing has changed on my end. I have tried to rectify this with BAC and the credit bureaus, but to no avail. However, since I disputed their rating, BAC has retaliated against me by transferring my account to XXXX Mortgage, XXXX, which I have since found out to be a collection agency. And I have read nothing but horror stories about this agency. There was no reason for the adverse credit reports in the first place and certainly no reason to transfer my account to collection agency, since I am current and always on time with my payments. This is a malicious and unconscionable act on the part of BAC. Nor will BAC even speak to me concerning this or the credit reports. I had no idea that there was even a problem with BAC until I saw my credit reports and I do n't understand why they just changed everything, out the blue, when nothing had changed with my payments. I suspect, since their XXXX statements started mentioning the bankruptcy in bold print and that they could foreclose if I default in my agreement ; that by making fraudulent claims, they are trying to set me up for foreclosure. Why they ca n't just do the right and just thing for consumers, is beyond me. It is as if they have a department that does nothing more than figure out ways to steal, disrupt the lives of and just plain defraud their customers. All they had to do was just report the correct information on my credit reports. I ca n't even refinance my home because of the adverse credit reports by BAC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on my dispute with XXXX XXXX " XXXX XXXX XXXX  '', which has been negotiated with CFPB months ago, and concluded with XXXX XXXX admission that was done in error in charging for unearned services- XXXX still reporting " Serious Delinquency '' and Lack of Recent Installment Loan. The issue of delinquency has been discussed with the three Credit Monitoring Vendors, but with no avail. With regard to " Lack of Recent Installment Loan '' I have no idea what they are talking about, as I have nothing to do with any loans or payments issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Heres my previous complaint number XXXX In this complete address, multiple issues I had of the company. The company they respond in a quick manner however, the resolution was unjust and does more damage to my credit profile because of their mistakes. For an acceptable solution, for this problem would be to remove the account off of my credit profile, because it has displayed more than one inaccuracies, and a company has not, and will not seek validation on correctly, and these issues with the incorrect report.
Product: Credit reporting or other personal consumer reports

The Experian Credit Bureau has improperly used incorrect information to obtain information. That is a complete violation of my rights. They must get consent from me to inquire information. 

The addresses XXXX XXXX XXXX XXXX XXXXXXXX and None XXXX XXXX are inaccurate addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent inquiries and address on my credit report, and the credit bureaus are reporting it without a permissible purpose. 

The inquiries and address are listed below : XXXX XXXX XXXX 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

IMPROPER USE OF CREDIT REPORT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have several inquiries on my TransUnion credit profile that are incorrect. Ive tried several times and have also submitted paperwork to TransUnion several times for them to remove these inquiries from my credit profile. Ive also previously submitted a complaint with CFPB in regards to the negligence of TransUnion and other credit reporting agencies. Ive given them numerous amount of time to handle and correct these errors and they still have not corrected them. Ive informed TransUnion several times I never authorized my credit to be ran by any of these credit companies. Also, that Im not familiar with the times date and companies that ran my credit.
Product: Credit reporting or other personal consumer reports

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$5300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3500.00}.
Product: Mortgage

I was discriminated against for my XXXX by Mortgage One. Causing numerous delays in our mortgage processing and leaving us homeless for nearly a month! 
The discrimination and delay were due to them requesting that I provide them proof I would remain XXXX for the next 3 years, an action they are prohibited from doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I have received two pre-paid mail notices of overdraft from Truist Bank on one or two accounts that I do not own : 1. On XXXX an overdraft of {$4800.00} on account ending XXXX ; and 2. On XXXX an overdraft of {$3500.00} on account ending XXXX. 

I have no accounts with Truist Bank. I have called XXXX and put a one year freeze on my accounts, and I reviewed my credit report and it shows no accounts with Truist. I called the Truist Fraud Alert phone number and the person I spoke to said that I would have to go into a Truist Bank branch. 

Can you help clear up this issue which seems to be identity theft.
Product: Debt collection

On XX/XX/XXXX, my father, a physically XXXX XXXX year old man with XXXX to his private residence by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX. XXXX denied payment for this service, although they had covered XXXX on several prior occasions. 

On XX/XX/XXXX, we appealed the XXXX decision. On XX/XX/XXXX XXXX denied our appeal, but determined that XXXX XXXX XXXX XXXX was responsible for the charges. In the meantime, XXXX XXXX XXXX XXXX had referred this account to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX. I informed all parties of the XXXX decision and that my father was not responsible for the charges. 

XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX contacted me and asked me to file a XXXX appeal as their client, XXXX XXXX XXXX XXXX, could not. This was a lie ; XXXX has since informed me that XXXX XXXX XXXX XXXX could have filed *and possibly did file XXXX their own appeal. Certainly, XXXX XXXX was aware of this. Not knowing this and assuming XXXX XXXX was being honest, I filed a XXXX appeal with XXXX on XX/XX/XXXX. While awaiting the results of the XXXX appeal, XXXX XXXX XXXX XXXX sent my father a letter threatening to take him to court. 

XXXX informed us in a letter XX/XX/XXXX, that not only were they denying the appeal, but they reversed their earlier decision and my father is now liable for the charges. I had no idea that the appeal could result in a worse decision, although I am quite certain that XXXX XXXX, as a collections professional, did. XXXX says we should not have filed the XXXX appeal and that our only option is to either pay or go before an administrative law judge. 

I believe XXXX XXXX knowingly gave me false information and took advantage of my willingness to help to get me to file a XXXX appeal. This is highly unethical behavior. Preying on XXXX and their families must be the most despicable behavior possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax changed my date of birth ; and reported it incorrectly for nearly a year. I requested the name of the entity who changed my DoB. They have never answered this after repeated requests. They however continually state that my DoB was verified for months after I disputed the obvious fact. so " who is reporting '' this DoB? and who changed it from the original and with what documents? It was not me, as I have no drivers license, SS card with the wrong information. So, the Dob was changed for what reason and by whom? Clear question : Who is reporting the on file Dob?
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also SectioI am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. n 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards the data provided is not always accurate complete or update i demand that any wrong incomplete or unsupported material be updated XXXX XXXX XXXX
Product: Debt collection

MRS. BPO, LLC has placed a collection on my XXXX XXXX, XXXX and XXXX Credit Report and caused servere damage to my credit files and being denied several lenders!! 

I've call every telephone number listed and the corporate office but no answer or long hold times of more than XXXX hours!!! 

I also called XXXX XXXX about this XXXX XXXX and they too have yet to remove the collection on my credit files! I have filed disputes with all three bureaus but the damage continues! 

I don't owe anything and both XXXX XXXX and MRS.BPO, LLC caused me financial harm and damage to my credit files with future lenders!
Product: Credit reporting or other personal consumer reports

15 usc 1681 ( b ) ( 2 ) Permissible purpose of a consumer report- In accordance with written instructions of consumer ( Me ) to whom it relates. I did not give written instructions. To any bureau to pull my report and therefore all hard inquires must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This happen on XX/XX/XXXX My Card Was Mail To A New Address And Someone Close Out My Old Card And On XX/XX/XXXX Someone Use My Card I called the company and said I can not get my money off my card and they just told me someone had used my card and I cant get my money back but they dd send me a new card
Product: Debt collection

I have a XXXX  account I disputed several accounts that it says I owe I asked for original contracts that I signed for the debt, They were then removed from XXXX report and XXXX report but they were never updated on XXXX. I noticed a few have been added back to the XXXX report with different dates and on the XXXX report they have all been added back with this years date on them. the finding says my address was verified. I never received the documents to show I owe these companies this money. 
This company has XXXX accounts they are saying I owe them and I don't know who they are.
Product: Checking or savings account

Citibank overdrew my checking without notice of pending items so that it could specifically charge an overdraft fee. Citibank has computer programs that check if the account will be overdrawn by a pending item. Citibank only gives notice of pending items when the account has sufficient funds to cover the items. Citibank computer programs do not give notice of pending items if the item will overdraw the account for the explicit purpose of charging the customer an overdraft fee. Documents from XX/XX/year> and XX/XX/year> attached showing this behavior of Citibank computer programs.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance {$3600.00} XXXX  XXXX Balance {$0.00} XXXX XXXXXX/XX/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

Okay i have previously notified Experian that I have an active auto loan with XXXX XXXX XXXX. Experian keeps reporting this account as being included in Bankruptcy. This account has never been included in any Bankruptcy fillings. This account is currently active, and current with no late payments.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I sent money to my girl in XXXX, she has not receive the money with was meant to arrive for his sisters birthday on XX/XX/XXXX which is a problem because the money has already left my bank, so what happened to the money I sent? Where is my money? The receipt I have says that is its processing but its been over a week and this transfer is still up in the air. No one has reached out to me and told me why my money is in the air. This is very unprofessional and time consuming, Im not satisfied at all with this service
Product: Credit card or prepaid card

On or around XXXX XXXX my son who is a cardholder on my account set up automatic payment on the account, however, he didn't know to realize you needed to select pay the minimum due or statement balance. The system drafted from his personal checking account the statement balance of {$1600.00} dollars. When he realized that his personal checking was overdrawn he immediately contacted the credit card company and explained exactly what happen the credit card company immediately reversed the payment and returned the money back to his bank and the following day he made the payment of the minimum amount that was due. However, the outstanding balance increased on the credit card in the amount of {$1600.00} dollars bringing the total outstanding balance to {$3600.00} dollars with a credit limit of {$3000.00} dollars. I have made a total of 5 disputes with the credit card company about the outstanding balance being totally wrong. I told them if they add up all the transactions from the time the account was opened all the transactions do not add up to {$3600.00} dollars, therefore why is the outstanding balance {$3600.00} dollars? They are telling me the outstanding balance is correct and it's not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX. I just received a copy of my credit report and you are reporting this account incorrectly this collection account is reporting not OPEN, you got all that but shows a past due balance of {$950.00} according to the FCRA, I have the right to an accurate credit report please remove this account immediately for my credit report please provide me a copy of my new credit report reflecting this account upon completion
Product: Mortgage

To begin with, Freedom Mortgage never responded to my complaint of XX/XX/2018. To repeat my complaint, on or about XX/XX/XXXX, my monthly mortgage was mailed to Freedom Mortgage but as of this moment ( Monday, XX/XX/2018 @ XXXX XXXX ) my check has yet to be cashed. I have contacted Freedom Mortgage many times but each time was told that my check had not arrived, per my complaint of XX/XX/2018 to the Consumer Financial Protection Bureau ( Complaint # XXXX ) I kept calling Freedom Mortgage because I was totally stressed out about their not having received my check. They kept telling me it was most likely the fault of the Postal System. On XX/XX/XXXX I again called but was again told ( name withheld ) that my check had not arrived. I suggested that it might be stuck in the mail room somewhere. I was told that this was not possible because checks are processed as soon as they arrive. Well, I called again on XX/XX/XXXX and was informed by the person who answered ( name withheld ) that my check had arrived on XX/XX/XXXX but was only processed that very day - XX/XX/XXXX! I want to submit a BIG complaint about Freedom Mortgage for their lies and their inability to process my check in a timely fashion. They do this every month, sometimes as late as just a couple of days before the XXXX of the month which is typically the date after which one is charged a late fee. This stressed me out completely because I have a very good credit rating and I do not want this affected by the gross negligence of Freedom Mortgage. I am very sorry that my last mortgage company sold my mortgage to Freedom Mortgage which has not shown to be an efficient or trustworthy mortgage company.
Product: Credit card or prepaid card

On XXXX, 2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit card or prepaid card

I believe I was misled when I opened a Capital One charge card. I was told when I opened the account in XX/XX/XXXX that it was interest and no fees for 2 years. I noticed today XX/XX/XXXX that I have been charged interest for the last 3 months for a total of {$82.00}. When I called to complain I was told the interest free time period was only for 9 months. Which meant it ended in XXXX but I wasn't charged interest in XXXX or XXXX so something is very wrong. Because of this and not getting any satisfaction I closed the account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Any deviation from these standards could jeopardize the integrity of the data you provide, which is a serious issue. Therefore, I urge you to ensure that all of the information you have provided is accurate and properly formatted. The claims that are noted in your report are disputed and have not been confirmed as facts. I am also requesting that you take care of any false accounts on my credit report and fix this issue as soon as possible, as it could have financial implications for me in the future if left unchecked. I can not accept anything less than 100 % accuracy on my credit report. I demand that only factually accurate, verified, and compliant data is documented in my credit report. 

Listed below are the Accounts that are being challenged : XXXX XXXX - XXXX This is completely inaccurate. - When I saw this account I noticed right away that the late remark started as late 30 Days right after a good payment. How is that possible? Please remove this inaccurately reported account.
Product: Money transfer, virtual currency, or money service

Coinbase won't unrestrict my account so that I can sell my coins and get my money out of it. They keep telling me that it's under review and it's loosing value almost everyday. It's a XXXX they are running so they don't have to pay. My account was up to XXXX an now it's down to XXXX. If they don't release my account to me now I will start yo lose my initial investment plus the money that it's still up by. I need this issue resolved immediately. Consumer finance protection is supposed to be able to help me get my money back. Coinbase is a publicly traded company and is allowed to do this to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters asking for these egregious collections, incorrect auto loans, and student loans from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and the Department of Education to be removed from my report as they have not provide the original credit agreements, original contracts, or promissory notes I supposedly signed for these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 reported this without my authorization this is a violation to my rights and hendering me in life this is fraudulent activity