23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Six increments of XXXX DOLLARS EACH were fraudulently removed from my BANK OF AMERICA EDD Check in account over the course of 6 days. I was never alerted of this activity and filed a fraud claim as soon as I learned of it. BOFA is refusing to credit my account due to this fraudulent loss. They have a XXXX LIABILITY CLAUSE that states that my money is insured up to XXXX. I have called multiple times and had the poorest customer service.I feel like they are not taking my situation seriously when this is causing me a great amount of distress. My livelihood was due to the pandemic and I rely on these funds to live. I have submitted a police report and I feel as if Im doing all of the work their supposed to be doing. I have not been notified about any updates or what their intentions Six increments of XXXX DOLLARS EACH were fraudulently removed from my BANK OF AMERICA EDD Check in account over the course of 6 days. I was never alerted of this activity and filed a fraud claim as soon as I learned of it. BOFA is refusing to credit my account due to this fraudulent loss. They have a XXXX LIABILITY CLAUSE that states that my money is insured up to XXXX. I have called multiple times and had the poorest customer service.I feel like they are not taking my situation seriously when this is causing me a great amount of distress. My livelihood was due to the pandemic and I rely on these funds to live. I have submitted a police report and I feel as if Im doing all of the work their supposed to be doing. I have not been notified about any updates or what their intentions are..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation in my Transunion report XXXX This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Equifax are reporting incorrectly on credit report. reporting account open XX/XX/XXXX by XXXX XXXX while XXXX and Equifax report account open XX/XX/XXXX with a balance of {$490.00}. Account is reporting date of last payment by XXXX XXXX and XXXX as XX/XX/XXXX while Equifax is reporting date of last payment as XX/XX/XXXX of XXXX. Now, payment history is reporting consecutive charge off by XXXX while OK as agreed from XX/XX/XXXX all the way to XX/XX/XXXX by Equifax and XXXX reports no data on payment history. Data reported on date of last payment makes no sense with payment history definitely a huge mistake. Account is reported as a derogatory account status with a payment status of collection charge off it is not possible that account can be derogatory and collection if payment history is reporting payments done up to XX/XX/XXXX. I have tried to dispute this account with all three bureaus and I have not seen any change whatsoever on credit report nor have I received any sorts of documents by Credit bureaus reporting that my dispute has gone through. Im not sure at this point if my letter has been ignored or if my letters have not reach their destination.
Product: Debt collection

The company started calling on XX/XX/XXXX. It is a robocall. I called the number to inform them that this is a business line, but the representative hung up. The company continues to call almost daily and will not say the name of the person they are trying to reach. This is a business line and I don't owe any debt so I know they are not trying to reach me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors have violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
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

Dear XXXX ( # XXXX ) XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Mortgage

The annual review of my escrow I dicated a shortage amd my monthly payment was raised to cover the shortfall. I was never notified of this shortage, the increase of my monthly payment, or the ability to pay the difference. I happened to login to my account and notice the charges and a dashboard message with option to add to escrow and avoid the new monthly payment amount. I subsequently made a payment to escrow for more than the required amount well before the due date. Flagstar took the new full amount including the escrow shortfall addition for the XXXX monthly payment despite my providing more than enough escrow, and despite their dashboard message explicitly stating the payment amount would not change if I made the XXXX time escrow payment, which I did. I want my monthly payment amount restored and I want a refund for the escrow overage I was charged in XXXX payment. I also want to be notified of these changes in the future as is legally required
Product: Credit reporting

My last payment for any derogatory account was XXXX 2008.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX account # XXXX below have violated my rights. 

XXXX XXXX # XXXX, DEPTEDXXXXXXXX # XXXX ( balance {$7700.00} ), DEPTEDXXXX # XXXX ( balance {$22000.00} ) 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I tried to make my payment to capital one twice but for some reason or another the payment account that I made the payment had my card on hold which I didnt know while I was making the payment. While I was trying to correct the missed payment capital one proceeded to close my credit card account without giving me any kind of notice saying that they were closing it. I tried to go ahead and still apply the full payment to my account to pay it off and capital one would still not let me correct my account to keep it active.
Product: Debt collection

On discovery of a collection on my credit file, I wrote to LVNV to inquire about the validity of the debt. 

After several cycles of correspondence, I learned from research that an alternative way to having the inaccurate item removed from my credit file is to offer to settle the debt by paying a portion of the total they claim that I owe. Attached is a copy of the settlement proposal ( in which I offer to pay 100 % ) sent by certified mail on XX/XX/XXXX. I received an irrelevant response ( also attached ). 

According to the FDCPA, I am entitled to have my correspondence and attempts to address any debt issues reviewed and then receive a response. The response provided by LVNV is inappropriate, as it does not acknowledge my settlement proposal. I question whether or not my letter was even reviewed.
Product: Debt collection

XXXX XXXX refused to accept rent payments via cashier checks. 
USPS records show refusal to accept mail. 
Legal counsel of XXXX XXXX XXXX is in posession of copies submitted at time of payment including postal service tracking. 
XXXX XXXX refuses to refund security deposit.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX  XXXX XXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXXX Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Debt collection

On XX/XX/XXXX Central Portfolio Control placed a negative charge on my credit report for {$7000.00}. This company never contacted me via phone, mail or email. This company attempted to this earlier this year against my mom, same tactics no call, no mail nothing they just placed a debt on a credit report to cause wanton damage. 
They state they represent a former landlord. 
In XX/XX/XXXX, I went to an eviction hearing with said landlord, XXXX XXXX XXXX in which I paid the past due rent and the landlord 's attorney drafted an agreement that I was to vacate the property by XX/XX/XXXX. I vacated the property XX/XX/XXXX despite efforts by the landlords super to hold me XXXX and make threats against me and intimidate me. 
The court agreement is very clear. As long as I vacated the property the landlord could not pursue further past due rent or damages unless they went through small claims court. This agreement was witnessed by the court clerk and signed by me, the clerk and the landlord 's attorney. There is no wiggle room. 
They did not attempt to pursue this in small claims court. There is no court hearing or judgment against me. They and this debt collector are in violation of a court order. 

I do not live in XXXX anymore, all my mail is forwarded, the landlord has my contact information as does their attorney. 
This is now XX/XX/XXXX, 9 months after that hearing and all of a sudden the landlord and this debt collector want money? This does not take 9 months. 
In speaking with the XXXX XXXX XXXX XXXX this was confirmed to me since they also read the court order from XX/XX/XXXX. 

This is an illegal action and is considered fraud and is being pursued as such and now i have to pursue an attempted XXXX  charge against the super since these people will not leave me alone, my mom just died and I am not in the mood to be harassed by people who feel they are above the law for the record I am also broke and my mom had no estate there is no money. I never received any contact from the landlord, or this debt collector. They have my information especially due to the issue with my mom. They did not follow the debt collection laws at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom ever this may concern : In XXXX, 2018 I disputed incorrect information being reported on my credit report by Hunter Warfield. I provided letters to XXXX, XXXX   and XXXX, requesting specific information pertaining to this account. After the investigations were completed by XXXX and XXXX, Hunter Warfield was recently deleted from these reporting agencies. I have made several attempts with XXXX months prior too as well. XXXX  has not yet deleted this information or provided me with the specific information I've requested. I have attached a copy of the letter I provided to all the credit reporting agencies mentioned. I ask that you please look into this matter to have this item removed from my credit report. Thanks for taking the time to listen to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX  is not my account. It is my mother 's account and she passed last year. I've called many times to tell them this does not belong to me. Sent my social and license to prove it isn't mine. No one is doing anything. They went back instead updated the amount owed but kept reporting it on my account which isn't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX US DEPT ED XXXX XXXX Owed : {$2500.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; US DEPT ED XXXX Balance Owed : {$4200.00}.
Product: Credit reporting or other personal consumer reports

Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
As a victim of the XXXX data breach and also a victim of Identity Theft, my personal information has been compromised and used without my consent to create or modify accounts fraudulently. The details of the fraudulent accounts are as follows : Account Name/Number : 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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Date Of Birth:XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that XXXX, Equifax and XXXX credit reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. The listed items below are fraudulent, inaccurate and false information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete from all 3 credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I took possession of a vehicle from XXXX XXXX. They took my XXXX XXXX XXXX as a trade. The payoff of my previous vehicle was not made timely from the dealer XXXX XXXX. On XX/XX/XXXX XXXX XXXX told me that they requested for GM Financial to correct any late payments to my account. This did not occur. In XXXX of XXXX I started the process of buying a home. I learned that GM Financial had reported two late payments on each of my credit reports. The late payments were for XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I contacted the dealership to have them remove the late payments from my credit report. From XX/XX/XXXX - XX/XX/XXXX GM Financial has been contacted many times. They have even received a letter from XXXX XXXX stating that the late payments are not due to any action of mine. GM Financial refuses to remove these late payments stating that the loan is paid or they don't know how or won't do it. GM Financial has violated the Fair Credit Reporting Act. They have been notified that they should not be reporting any late payments but they refuse to remedy the situation despite the fact that I as of XX/XX/XXXX I no longer owned the vehicle they are reporting the late payments for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a call from Rocket Mortgage regarding information regarding the process of a mortgage in the future. The rep stated he will need to access my credit report, when asked if it would be a soft or hard inquiry he stated it would be a hard inquiry, I then stated to NOT pull my credit, but it was completed without my authorization. I have reached out to Rocket Mortgage as well as escalated my concerns on several days XX/XX/XXXX, XX/XX/XXXX, XXXX. The phone call was pulled and reviewed where they acknowledge I stated do not pull my credit, but stated because I verified my information they are able to access my credit without my authorization. Ask again, you can access my credit when I say No because you have my information on file and was told yes.
Product: Vehicle loan or lease

Toyota financial loan was paid off in full on XX/XX/ On XXXX they withdrew {$1200.00} This amount was to be refunded when I called on XXXX. I have called multiple times and they say a check has been processed and will receive in 7-10 days. Then they say it has not been cut Also they owe me {$840.00} for GAP and {$1100.00} for warranty refund
Product: Mortgage

At the beginning of year 2015, my city taxes were lowered due to reassessing the property with the county. This was my second time in doing this over several years, and was awarded a decrease in taxes both times, lowering the property value by half of what it was. This information was forwarded to Seterus in order to keep them informed, that my escrow should be lowered, due to reduced property taxes. Instead they increased my escrow account, for which I refused to pay, after trying to reach them by phone to discuss this matter, their customer service line is not a customer service line, but a collection agency, and no one would direct me to an individual whom I could speak to about my issue. I continued to make my on time monthly payments, only to have them separate the apparent prior months shortage causing the account to go into default. This resulted over the next several years late fees along with credit issues for which I challenged and won, as the credit agencies researched my account and agreed that I was up to date. I asked on several occasions a payment analysis from Seterus, which they sent me, unfortunately the readout was to confusing to understand, as I simply wanted to see a spreadsheet from them showing my payments to them, so I could compare to my monthly payment history, in order to verify myself. They refused to follow up with me, and since there is no one to speak to, all inquiries are sent to their website for review, and then they reply in a letter, not giving you an opportunity to challenge them. This is very frustrating, as they keep adding late fees to my account, that is up to date, and since I can not contact anyone from the company this will continue. 

Please advise so that this company can be exposed for very poor customer service.
Product: Credit reporting or other personal consumer reports

And error appeared on my credit a collection I ask transunion to remove it because the account doesn't belong to me and that XXXX remove this from my report already
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. In accordance with 15 U.S.C. 1681b of the Fair Credit Reporting Act, I am requesting that [ EXPERIAN ] investigate and remove this inquiry from my credit report. 
I have recently reviewed my credit report and noticed an inquiry from [ XXXX XXXX XXXX  ] dated [ XX/XX/year> ]. I want to clearly state that I did not provide written consent for [ XXXX XXXX XXXX ] to access my credit information or to perform any inquiry.
Product: Credit reporting or other personal consumer reports

I was denied credit ( loan ) through XXXX XXXX who used credit reports from Clarity Services XXXX XXXX. 
XXXX XXXX XXXX XXXX FL XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E-mail : XXXX XXXX 
this is a violation as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at different autos for sale. I inquired if one was for sale at XXXX XXXX XXXX XXXX NC. XXXX XXXX I checked my credit score few days later and saw that a hard inquiry had been done to my credit. I called XXXX ford and asked them why they did that without permission. They told me that they had not done any inquiry. Then they proceeded to send me a dozen emails about the truck I asked about. I have contacted every credit agency possible. I have been told that unless XXXX XXXX sends the agencies a letter saying I did n't allow them to do the hard credit inquiry I can not get it off my record. I never authorized this. No one will help me. Now my credit score has dropped 50 points. I do n't understand why I 'm being penalized for this fraudulent activity. I do n't know what to do now.