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

I recently received my credit report regarding XXXX XXXX listed below : XXXX XXXX : 1. US BANKRUPTCY COURT, XXXX, IL. ; Reference Number XXXX ; original filing date, XX/XX/XXXX. 
2. US BAMKRUPTCY COURT, XXXX, IL. ; Reference Number XXXX ; original filing date, XX/XX/XXXX. 

I recently submitted disputes with XXXX, XXXX and Transunion on the above mentioned bankruptcies, requesting that they be verified. All three Bureaus responded that they verified the bankruptcies with the US Bankruptcy XXXX, XXXX, IL. This is in fact a lie. I have obtained a valid letter from the United States Bankruptcy Court stating that The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying information from consumers credit files. ( See attached letter from The Clerk of Court United States Bankruptcy Court, XXXX XXXX XXXX ) This is, in fact, contrary to the findings or results of my rightful dispute asking that XXXX, XXXX, and Transunion verify the above-mentioned bankruptcies listed on my credit report. And using the third-party company, XXXX as the furnisher to verify the above listed public records is not the original furnisher of the information. But I showed XXXX, XXXX and Transunion, with the attached document from the US Bankruptcy Court Clerk, Northern District of Illinois, that they in fact, DO NOT VERIFY information with the credit bureaus. The Fair Credit Reporting Act specifically states that all items on a credit report must be verified from the original furnisher. And the US Bankruptcy Court Clerk is the original furnisher of all public XXXX. So, XXXX, Transunion and XXXX is in direct breach of the law by reporting the above listed public records. 

Also, I recently obtained my Consumer Disclosure Report from XXXX, in which XXXX and XXXX uses as a third-party vendor to verify bankruptcies on a person 's credit report ( See attached XXXX Consumer Disclosure Report ). In that report there isnt any bankruptcies listed associated with my social security number. 

And the addresses attached to the bankruptcies on my credit report with XXXX, XXXX and Transunion does not or have not belonged to me at all. I don't, nor have I ever been able to receive mail at the addresses attached to the above listed bankruptcies. 

The above-listed public records can't be verified and must be removed from my credit report. 

In conclusion, XXXX, XXXX and Transunion have failed to provide me with verification of the above listed bankruptcies. They are publicizing inaccurate information on my credit report. Which is a direct violation of the Fair Credit Reporting Act Section 1681 ( c ), 611 ( a ) ( 7 ) and a serious breach of my privacy rights. 

I have maintained careful records of their actions. I once again, respectfully request that XXXX, XXXX and Transunion remove the above-mentioned bankruptcies from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXDept of Ed : XXXX, XXXX : # XXXX, XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I 'm a current client with Bank of America who has decided to refinance. I thought because I have been a client with BOA for 13 years and that they have my info and history that it would be pretty easy but I could n't have been more wrong. The experience has been an awful and I would never recommend them. I reached out locally and did n't get a response. I called the XXXX number and I was put on hold for 14 min before I hung up. I called the local office again and finally heard from someone. The documentation they were requesting was way out of what is normally requested but we complied. Our mortgage office had said she has never seen clients asked for the documents we needed to produce and because it seemed so ridiculous especially for a refi with current clients who have great credit and standing with the company she kicked it up to her superior of which nothing happened. They need documentation from the association, which was sent and but I was told they never received. The association let me know that they not only sent it that BOA sent them all my personal information including SSN in an unsecure manner. BOA said they did n't have the ability to send emails in a secure way which is absurd for any bank never mind one of the bigger ones. All of my personal information was breached, apparently went somewhere but BOA never got it. The association resend my info in a secure manner and BOA ca n't open it. The hoops that I have had to jump through the lack of customer service and the breach in my personal information have lead me to NEVER recommend them to anyone. At this point they have everything but the association docs ( because they ca n't open them ) and I 'm heavily contemplating pulling the whole thing and going with a much better mortgage company. They do n't deserve my business. In todays world with identity thief they have completely exposed me and my family and I have no confidence in them as a financial institution. If anyone has lending needs DO NOT USE BOA.
Product: Credit card

On XXXX/XXXX/2016 I had statement cut with a balance of {$28.00} with a due date of XX/XX/XXXX. I believed I had auto payment on from my checking account which I evidently did not. I was charged a {$25.00} late fee and {$25.00} in interest. 
The {$25.00} interest charge is the most troubling since that 's over a 1000 % APR on a {$28.00} balance. 

On XXXX/XXXX/2016 I noticed my XXXX XXXX and XXXX XXXX credit card accounts had been closed when I went to sign in to it presumably for this late payment of {$28.00} on a {$14000.00} credit line. I immediately paid all outstanding charges on both cards including all fees even though I think the interest rate is suspicious. Barclays never notified me cards had been closed luckily I had n't tried to use it since it was, that would have been a very embarrassing moment I do not wish to have my XXXX account reopened, but I would like the {$1500.00} in rewards on XXXX and {$4.00} on my XXXX XXXX card that I saved up for months so that I could use on my trip to XXXX next month to run in the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I asked that this issued be looked into with XXXX XXXXXXXX on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure where to even start. Debt was paid off and card was cancelled. Nevertheless it is listed as still owing the amount. Don't know what to do, please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have 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 information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Nj XXXX
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, You MIDLAND CREDIT MANAGEMEN } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2. 
You have no permissible purpose by law to contact third parties with my private or personal information. 
Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability
Product: Checking or savings account

On XX/XX/23 a XXXX XXXX banking account was opened at Bank of America without my knowledge ( acct XXXX ). I called and reported this, was given the case id : XXXX, told it would take 90 days to resolve. On XX/XX/XXXX, they requested I send a copy of my SSN to prove I didn't open the account. I declined, as they already had my SSN, DOB and address, so showing my SSN would not prove anything. On XX/XX/23 I received a letter that they decided to close my account, that they could report me and it could affect my credit, and sent me a check for {$1.00}, which was what was left in the account ( I did not cash as it is not my money ). 

This could damage my credit, and I was offered no cybersecurity measures or ID monitoring. 

Please note, I have no accounts with Bank of America, and at no point did they request I go to a branch in person to show my license to close this account immediately and flag it for fraud. There only investigation was to ask me if I suspected anyone of doing this.
Product: Credit reporting

XXXX XXXX XXXX a debt collector illegally obtained my private confidential non-public information, credit report and is reporting " XXXX '' fraudulent accounts, amount, and other information without consent. The XXXX fraudulent accounts bear the same fictitious account numbers with varying data. I have disputed these account three times with Equifax and three times with XXXX who is a debt collector, not a creditor. XXXX has failed to obtain verification of the alleged debt and validate the debt, much less an account. I disputed the alleged " debt '' being reported as a " account '' and XXXX XXXX XXXX via Equifax claims it verified the alleged debt. This is impossible as not all accounts are debts, and all debts are not accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. Your company never notified me, and your company filed to send me my statements for that month and when I talked to your rep, I was told that this mistake would be deleted. I never received a billing statement from your company.

FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act I contacted your company and talked to customer service, XXXX who admitted that it was Flagship Credit Accept error because my billing statement was sent to and they were aware and assured me that this misunderstanding was going to be removed from my credit report and listed correctly. The representative promised to send me a payment statements so we wont have this maundering anymore of my account and stated that this mistake would be corrected. I never received such documentation. The results of my XXXX XXXX and XXXX and XXXX dispute have just come in, and say verified. How is this possible?. Reporting inaccurate information is also a violation of the FCRA. Enclosed is proof that payments was on time and never late Your company never sent me a billing statement and was advised that because of the mistake I would not have a late payment. I had to call your customer service and was told a statement was going to be sent to me and now I look at my credit report and you put 30 days late when it was your company and billing error.
Product: Credit card

Returned chair that never worked properly. Worked with Costco management to process refund. Disputed charge in late XXXX with credit card company. 

XXXX the conditional credit was reversed by the credit card company even though I provided dispute information as requested. XXXX, the dispute department supervisor stated I needed to obtain a refund from Costco not the credit card company. The Costco manager XXXX, was handling the refund and stated she spoke with XXXX the credit card company and that he would refund amount. XXXX to date has not contacted me and the credit card company took the {$10000.00} payment from my checking account even though I removed autopay 2 days prior. In addition, the credit card company charged me a {$30.00} late fee. 

XXXX the manager says Costco can not refund the amount and the credit card company says I need to obtain the refund from Costco. In the meantime, all of my bill auto payments are bouncing in my checking account due to insufficient funds.
Product: Debt collection

XX/XX/2017 ( {$3100.00} ), and XX/XX/2017 ( {$1400.00} ) XXXX accounts were opened in my name and the debt was sold to " XXXX XXXX XXXX  ''. I have never opened an account with XXXX and furthermore, I never resided in the states of which they were opened in. The fact that these accounts were opened 8 months apart and this wasn't a red flag to XXXX is beyond me. The two accounts are reporting negatively on my credit report and I am only now becoming aware of them. I've tried disputing these accounts with the bureaus but the debt buyer responds verified with lack of sufficient information supporting the claim. If this debt is in fact my own, I would like the license and social security card on file compared to my own and I can ensure it doesn't come back validated. These accounts are causing me to suffer and I am feeling it is out of my control. Anything that I can do to assist XXXX in resolving this matter, I am open to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is already my XXXX time submitting this complaint. I have told you already, I was never late on the accounts mentioned below. These accounts were violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with XXXX XXXX XXXXXXXX & are willful noncomplying which is a violation of sections XXXX & XXXX need them to correct their records or be held accountable for their actions. The information is creating great XXXX  & XXXX XXXX and creating me XXXX nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent all 3 bureaus a validation letter back on XX/XX/2024 and no one responded to me. None of the listed accounts belong to me and I want them removed from my credit file immediately.
Product: Payday loan, title loan, or personal loan

Well I took a small loan before covid, then when covid hit I had focus on primary stuff. Now I'm trying pay off debt and I'm seeing cash1 spike the payoff balance for almost XXXX when I only took out XXXX and this debt is two years old
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Comenity Bank for their continued erroneous reporting of a debt to the credit bureaus that legally does not belong to me. This unwarranted action has unjustly affected my credit score and has caused significant financial and emotional distress. On XX/XX/2021, I received a Notice of Dismissal from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois, presided over by XXXX XXXX XXXX XXXX. This legal document confirms unequivocally that the alleged account, which was initially opened with Comenity Bank and subsequently sold to XXXX XXXX XXXX XXXX XXXX, was dismissed without prejudice on the Plantiff 's motion. Moreover, the dismissal mandated the cessation of all future reporting related to this account. Despite this clear legal directive, Comenity Bank has continued to report this account as a charge-off to the credit bureaus even though they sold it to another company ( XXXX XXXX XXXX XXXX XXXX This action is not only a direct contravention of the court 's order but also a gross violation of my rights under the Fair Credit Reporting Act ( FCRA ). The persistent negative reporting has unjustly impacted my credit score, limiting my access to financial opportunities and causing undue stress and hardship. I have made several attempts to resolve this matter directly with Comenity Bank, providing them with the necessary legal documents and repeatedly requesting the correction of their records to reflect the court 's decision. Regrettably, my efforts have been met with inaction, and the erroneous credit reporting persists. 

I am also reporting that Comenity Bank is in complete violation of the FCRA laws 1. 15 USC 1681 section 602 states I have the right to privacy.

2. 15 USC 1666b which states a creditor can not treat a payment on a credit cards account under an consumer credit plan as late under any purpose.

Therefore, I am seeking the intervention of CFPB to facilitate the following resolutions : Comenity Bank must cease all negative credit reporting related to this account and rectify the information previously reported to the credit bureaus. 

XXXX of Accounts : COMENITYXXXXXXXXXXXX  Account Numbers : XXXX
Product: Checking or savings account

On XX/XX/24, my debit card with Wells Fargo was used without my authorization at a XXXX in XXXX, CA. It had been skimmed when I used it earlier that evening at a XXXX in XXXX XXXX, CA, where I reside. I was not in XXXX at the time my card was used, and XXXX is an hour and a half from my home. My card information was used for nine different purchases, totaling {$890.00}. I do not have a history of this kind of behavior. I reported this to Wells Fargo, and they gave me a provisional balance of {$1200.00}, which also included a mistakenly flagged XXXX transfer to my wife, which was reversed out of her account and which I have since repaid to her. 

Today, Wells Fargo reversed the provisional payment as their internal investigation determined that this was not fraud. I'm at a loss here, as I did not authorize these charges, nor was I in XXXX at the time they were made. I don't understand how unauthorized use of my card information does not constitute fraud.
Product: Debt collection

This company has contacted my employer, XXXX  in the past. I served as an operator at the time and was I did not owe, and had my personal information. When I did not answer, they left personal information with my coworkers.
Product: Mortgage

I have requested that B ank of America remo ve PMI from my mortgage, in accordance with the federal homeowners protection act, which states that once the homeowner reaches 22 % equity the bank must remove PMI. I have reached that mark, but they refuse to remove PMI unless I pay to have an appraisal done. In reading  the U.S. code 4902 it just says  that once the consumer reaches the 22 % equity mark, based on the original price of the home, the PMI must be removed automatically by the bank. I have spoken to the bank, but they refuse until I spend the app rox. 400.00 for  the appraisal. I can find nowhere in the federal act that mentions anything about needing this before the PMI is removed.