23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has reported negative information to the credit bureaus of a debt with them. I have reached out to them and asked that they provide me with a contract between myself and them or for them to have it immediately removed from my credit file. I never received the requested information, but received a bill with options to settle the above mentioned debt. The name of the company is Midland Funding LLC. They have reported this negative information to all 3 credit bureaus. This was originally reported XX/XX/2018 in the amount of {$660.00}.
Product: Mortgage

My name is XXXX XXXX I am currently having an issue with Bank Of America trying to foreclose on my home on XXXX/XXXX/2016. I have been trying to work with them for years now to get the home under my as per the Administration letters we received appointing me executor of the estate. Both my parent passed away XXXX XXXX and XXXX XXXX leaving me this house. BAC has been reviewing my situation and I have XXXX letters stating I 'm being reviewed dates XXXX and another XXXX on XXXX/XXXX/2016 but yet they are still foreclosing on XXXX/XXXX/2016. 
I have asked them for a reinstatement quote but they refuse to give me XXXX, they have not sent me any letters to get this current or to cure the delinquent amount. Please help me keep my home so Bank of America do n't take it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our previous mortgage company XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX, NJ XXXX reported a late payment in XX/XX/2020. This is not accurate. They sold the loan to XXXX XXXX XXXX  XXXX  account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX AR, XXXX as of XXXX XXXX, 2020. We were in the process of refinaning when we were told that they had a problem. We soon found out it was reported incorrectly. XXXX did not have our loan in XXXX. We need this removed from all three credit bureaus. It is costing us money not refinaning and having to wait for this to clear. We have contacted XXXX  multiple times, spoke to plenty of person begining with a Mr. XXXX ID # XXXX on XXXX XXXX, 2020. We were promised a free form letter stating it was their error and a correction to our credit. Since the initial call on XX/XX/XXXX, we have place several calls were transfered to several departments. No one can help us and they have given us different answers.We have not received a letter as of yet. It is crucial that this situation is corrected as soon as possible. They should have never reported it late when they did not even own the loan at the time. It is costing us money daily that we can not refinance.
Product: Mortgage

Phh has violated my homeowners rights by not providing a single point of contact for a loan modification that I have applied for twice and sent them all the paperwork that they asked for 3 times.I have even made an appt with the relationship manager to talk over the phone and when the day arrived it still assent the lady who was assigned to my case. I am feeling thAt all hope is lost
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below are the items appearing. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

TD Bank USA, who used XXXX XXXX, and then is using Law Offices XXXX, XXXX, XXXX XXXX XXXX - who continue collection actions after a debt has been discharged by the XXXX Bankruptcy Court of XXXX ( XXXX, XXXX # XXXX ). My husband received a community discharge from the court in XXXX 2017 -- - As you may know, XXXX is where my husband lives and works and XXXX where I reside they are both community property states. In these states, property, and debt acquired during the marriage is considered the joint property of both spouses. As a result, in community property states, we each are entitled to a one half-share of all marital property and equally responsible for all community debts, also known as marital debts. When the Federal Judge closed my husbands bankruptcy case, and since we both reside in XXXX and XXXX, we are automatically protected by what is known as a community discharge. Which means that if we received a community discharge, even if my husband filed alone. The debt that was acquired during our marriage either in our names or my name or his name that discharge extends to me as well. Creditors such as TD Bank are prohibited from attempting to collect the debt from me since I share XXXX of the marital property, both presently and acquired in the future. Even after TD Bank has received many notices, and a notice from CPBD and the FDIC - they continued to send me invoices during the bankruptcy automatic stay. This community discharge only lasts for the life of the marriage. Please see section 524 of the Bankruptcy Code.
Product: Checking or savings account

XX/XX/23 I received a letter about a check that was deposited didn't go through. No warning just your normal check did not clear letter. Go to check my account XX/XX/XXXX  can't access my account. 
Was told due to this check being deposited my account is closed I can't open an another bank account for 5 years. How is this fair. Due to people like me who was getting supposedly paid but now I have no bank account. What happened to a phone call. Or better yet some kind of communication. Or has banks gotten so greedy they don't care about the little guys money anymore. This was with bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an email from Experian saying my email address had been changed and if I did not make that request to report it to XXXX. I sent several messages and none have been responded to. I attempted to call and use the website without success. When I tried to log into my account and change the password, a message said the code was sent to a XXXX address. I believe access to my account has been hacked and I can not get Experian to respond while someone has access to my credit information.
Product: Credit reporting or other personal consumer reports

After reviewing my Experian Credit report on XX/XX/year>, I noticed fraudulent and inaccurate reporting from XXXX. 
The fraudulent account reported no data XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The reporting is not only impossible but incorrect and I request that the account be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  Account has violated my rights. 

15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent information on my consumer report by XXXX   attempted to dispute and was told it was corrected problem became worse. Given several XXXX numbers to call which resulted in the run around with them telling me to call the next number
Product: Credit reporting or other personal consumer reports

On XXXX and again on XXXX I XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. It has been over 30 days later and I have not received a resolution yet towards these violations. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report. it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax and XXXX XXXX data breaches and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern every time I look up something it all ways show something different I only live in a apartment for 4 years low income housing in not this my first house since XX/XX/18 It Show loans in All that I never got I never left XXXX Alabama to get all this stuff that's crazy please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

As of XX/XX/19, my funds available ( aka available balance ) does not match my current balance or deposits made. I understand RegCC exist, but it has been well over the limit as the funds in the amount of {$1000.00} were deposited on XXXX and were not available on XX/XX/19. Funds should be available sooner.
Product: Credit card or prepaid card

I recently visited Best Buy to purchase a new computer. I was helped by a sales representative and we got the computer I wanted. Upon checking out I gave him my phone number and he verified I had a Best Buy account and once had a Best Buy Credit Card. I told him I thought the card had been closed by the company for non use. I got the card way back in college to purchase my last computer and they opened a credit card for me. I never asked for the card to be closed, but they did it anyways. 
This person then asked for my social and attempted to recover my account. Upon multiple failures to retrieve the account he began to open a new Credit Card account so I could put the charge on a new Best Buy Credit Card. I never asked for this, I would have preferred my first Best Buy account never be closed. He attempted multiple times to apply for this new card and was rejected. Now I've got a new hard inquiry on my credit report and its negatively affecting my score.
Product: Credit card or prepaid card

On XX/XX/XXXX, a representative from First Data, XXXX XXXX identified himself as the XXXX XXXX XXXX XXXX XXXX XXXX. He had looked at my account and said I was being overcharged by XXXX XXXX XXXX. I would be issued {$640.00} for these overcharges that I did not receive. Furthermore I would be changed to First Data, changing the discount from 3.48 % on XXXX XXXX XXXX to .05 % with First Data. When I told him I was on a contract with them XXXX, he said he would take care of any fees and charges associated with breaking my lease. 
After I was changed to First Data, I was debited monthly for {$68.00} from XXXX XXXX ( their lease # XXXX ). from my bank account. I was told by them I could not break the lease and was liable to pay for four more years or buy it out for over two thousand dollars. 
I called First Data to speak with XXXX XXXX and absolutely no one had even heard of this man. I was on the phone over an hour from one extension to another. 
Now I am paying for 2 accounts {$68.00} for XXXX XXXX and {$76.00} for First Data lease # XXXX. 
On XXXX, XXXX XXXX from First Data called and said I needed better equipment to reduce my fees and service discounts, I told him I was already paying for two processors and was only using one and wanted nothing to do with anything from First Data. He said he was sorry this happened but he would send a processor and pin pad programmed and ready to plug in. It would require to write a new lease ( # XXXX ) and replace the old ( # XXXX ) .I would need to increase my lease for 4 more years with a cost of {$93.00} monthly. 
The new XXXX XXXX arrived without a pin pad. and it was the same as the one it was to replace. I called to request the pin pad and XXXX XXXX said it would be here in three days. Well it was n't. 
Now I am paying for three leases a total of {$170.00} to First Data. 
My lease has been four years with XXXX XXXX and should not be billed anymore. I returned their machine. They are calling the store and my home harassing me for payment since I stopped payment on their debit After I have written First Data again, I have received a letter with apologies but he said he could not do anything. That was another part of the company. 
I have five of these letter scanned and attached to this complaint form. 
Will I ever be able to get out of this mess? 
I am a small XXXX XXXX and am suffering from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

MCM # : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
Original Account # : XXXX XXXX  : XXXX XXXX Credit Card I filed for bankruptcy on XXXX/XXXX/2020 and listed Midland Credit on my bankruptcy petition. Midland Credit deleted the trade lines from my credit reporting file after my bankruptcy was filed. However ; the following month they re-reported this information to XXXX showing it as an open collection item although they were clearly listed in my bankruptcy petition. They have indicated in my CFPB resolution that they stopped reporting the account to the 3 credit reporting agencies which is obviously not true based on the attached documentation showing them listed as a collection item on my XXXX  credit bureau report. It seems as though there executive offices have issues understanding my complaint. I did not indicate I want the trade lines deleted but more so if they cant report them accurately to show them as included in my bankruptcy that they should delete the reporting as that they have indicated in there resolution contradicts what actually occurred on my consumer credit file.
Product: Debt collection

The debt collector contacted my parents at their home phone number. My mother contacted me to inform me about the phone call and stated they have called her several times, which she asked them not to call her again. They have ignored her request. She stated they threatened legal action against me if I didn't contact them. She gave me the number, ( XXXX ) XXXX, which I called myself. The number was answered quickly and I was unable to catch the company name so I asked the female what company was she with, which she then asked me to " hold on a moment ''. I asked her did she not know what company she worked for that she couldn't answer my question? She said she asked me to hold on so she could enter the number I was called from into the " federal database ''. She then placed me on hold. I was on hold for about 15 minutes before I hung up. I wanted to find out what company hired the debt collector so I could determine who I owed a debt to or if I even owed a debt at all.
Product: Mortgage

I am at a stalemate with my mortgage service regarding insurance money that should be paid out to me. The Loss Claims Department at Dovenmuehle is demanding over and over again that I get additional information from my insurance company that my insurance company will not provide. I currently have sent and additional {$10000.00} ( XXXX checks for just over $ XXXX each ) for endorsement and deposit into my checking account. These checks were for work that has already been completed by a liscensed contractor and the work permit has been inspected and closed by XXXX XXXX XXXX Florida. I have paid the $ XXXX out of my pocket for the completed work already, I have asked for release of the funds and I just continue to go back and forth with the same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX   XXXX XXXX  XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX USDOE/XXXX XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX USDOE/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The address ( XXXX XXXX XXXX, XXXX, PA XXXX ) is an incorrect address on my credit report. Please delete this address from my credit report and any account attached to this address, and send me an email once it is removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an account from my credit report as reported by all three credit bureaus. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$2900.00} from XXXX XXXX XXXX XXXX XXXX on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable.Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

Regarding Application : AMEX EVERYDAY CREDIT CARD made on XXXX/XXXX/XXXX REF/SSN : XXXX To Whom It May Concern : American Express Executive Department I recently received a prequalifying offer and decided to apply for the Amex Every Credit Card, and unfortunately was denied. I was surprised for the denial as I have a FICO score of XXXX as of today with XXXX % low credit usage, total credit line ( {$4900.00} ) no missed payments and no negative history ( XXXX report enclosed ) While it is true that I have limited credit history equal to 6 months overall and 9 months on my oldest card, that is solely as a result of me being a new lawful resident of the US. I have a XXXX degree XXXX in XXXX and I am now a XXXX, XXXX. 

When I initially applied XX/XX/XXXX the AMEX representative told me that I should wait at least six months until I establish good credit history as a borrower : as I did. Could you please review my credit card application to see if there is a way I can be approved? If you 'd prefer to give me a smaller credit allowance, I 'd be happy to show my responsibility as a card holder. I do not currently have an American Express card, and my research has shown me that the Everyday card has an excellent reputation. As you can see on the initial application, my business, which I have for a 8 months brings me substantial profit $ $ $ $ $ $ worth of profit this year. 

I 'm including my Experian credit report on XXXX XXXX, XXXX for your convenience. 
Should you have any questions, you can contact me at XXXX. 

In terms of recent inquiries, please note XXXX inquiries are fraudulent and they are currently being 'disputed ' - it takes up to 60 days to have them removed from my credit report.
Product: Credit reporting or other personal consumer reports

consumer applied for a personal loan with pentagon federal credit union as a federally protected consumer I have notified the credit agencies XXXX, XXXX and XXXX I opt out of the reporting of my payment history -personal information excluded from the consumer report per congress per 15 USC 6802 ( b ) ( 1 ) ( B ). 15 USC 1681a ( 2 ) ( A ) ( i ) ACCORDING TO CONGRESS TRANSACTIONS AND EXPERIENCES ( PAYMENT HISTORY AND UTILIZATION ) BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE EXCLUDED FROM THE CREDIT REPORT under 15 USC 6802 PENFED IS AN FINANCIAL INSTITUTION XXXX IS THE UNAFFILIATED 3RD PARTY THE PROPER DISCLOSURES REQUIRED BY FEDERAL LAW WERE NOT GIVEN BEFORE THE DISCLOSURE EVENT NOR WAS I THE CONSUMER GIVEN THE OPPORTUNITY TO EXERCISE THE NON DISCLOSURE OPTION15 USC 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. PENFED HAS FAILED IN GIVING THE CONSUMER THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE DISCLOSED TO SUCH THIRD PARTY OR EXPLANATION OF EXERCISING THE NON-DISCLOSURE OPTION. PLEASE REMOVE PENFEDS REPORTING ITEM ON THE CREDIT REPORT I DO NOT CONSENT AND WILL NOT CONSENT TO SUCH REPORTING OF MY PERSONAL INFORMATION
Product: Checking or savings account

I went to the Bank of America branch located at XXXX XXXX   XXXX XXXX. XXXX  XXXX, IL XXXX and requested to open an account for my child ( a minor ). The banker advised that they are unable to open the account without the actual social security card being presented at the time. I returned to the same branch and produced the social security card and I was again denied the account for my child. I later received letters from Bank of America explaining that the account was not open based on information on my child 's credit report.

My child is a minor and can not enter into any binding contract or agreement required for obtaining any credit nor does he have an existing credit file at age XXXX. I feel discriminated against regarding the inability to open the account for my child and I am wondering why would the banker obtain a credit report for a minor. I don't want Bank of America to receive any credit reports regarding my child and I demand that Bank of America remove any inquires placed made by them to any credit reporting agency specifically XXXX.