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

On behalf of Bank of America my card account was closed/ frozen on XXXX XXXX @ XXXX XXXX  eastern time. they say its due to fraudulent/suspicious activity on the account. I asked them why was the card closed they said that the unemployment office sent a email advising them to close my account and to contact them for further details. I call my unemployment office and spoke with every department that has stated to be that there is no fraudulent activity on my claim and that my Bank of America account is within good standing. So I retaliated back to the bank and have spoken to many departments about this issue and of course they all say its close led due to the state! The bank are the only company that has initiated that my card account was closed and sent several letters saying that the Bank of America has suspected fraud! XXXX unemployment is unaware of this action and has not specified any letters or communications with me about my account closure they are clear that Bank of America initiated the closure and should be the ones to fix the issue they also say they have no control over the account once they release funds into an account that its out of their control. This issue has be ongoing since XX/XX/XXXX and neither company has partake in resolving the issue! I have endured so much stress financially and emotionally. I would love for this matter to be resolved so I can received my funds and move on so Im reaching out to get help from other sources.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

{ XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX } - { XXXX XXXX XXXX } - XXXX  { XXXX } - { XXXX XXXX XXXX } { XXXX XXXX XXXX } Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a recent data breach, I believe these accounts and inquiries may be linked to unauthorized activity, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my credit information from potential fraud. 
Accounts to Be Blocked and Deleted : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered that I had multiple inaccuracies reported on my credit report by XXXX XXXX XXXX XXXX. This information is incorrect because the date of last payment, past due amount, payment amount, date opened, and high balance were incongruently reported on my credit reports. 

On XX/XX/year>, I sent formal dispute letters to Experian, XXXX, and XXXX, including reasons to support my claim. The credit reporting agencies have yet to correct the information, which continues to negatively impact my credit score. 

I have also sent formal dispute letters on XX/XX/year>, XX/XX/year>, and XX/XX/year> to investigate and correct these inaccuracies. Over the course of XXXX months, I have yet to receive a response, and this is greatly hurting my credit score. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : this section describes the procedure for disputing inaccurate information. It requires credit reporting agencies to investigate disputes and correct or delete inaccurate information within a certain time frame. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$420.00} XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I noticed a fraudulent collection on my credit report on XX/XX/25. I called deft collector Genesis Debt Recovery. They informed me that at a XXXX XXXX in XXXX FL a person used my drivers license information to apply for an apartment online and the XXXX dollars charged were application and admin fees. The application was denied due to identity concerns. I informed them my identity was stolen and I have never been to XXXX  and I live and work in XXXX. This is not the first time my identity has been stolen. I filed a police report and begun the fraud dispute with the debt collector as well as the XXXX XXXX.
Product: Debt collection

Hi, My name is XXXX XXXX. 

ARS Account Resolution has contacted many times. I advised this company via phone to cease and desist last year XX/XX/2021. I even mailed a letter following that on XX/XX/2021. I do not owe this alleged debt. I have requested for this company to provide proof of such debt and they have failed to do so. I demand that this removed from my credit profile.
Product: Debt collection

The debt was pall in full on XXXX XXXX in the amount of {$500.00}. I'm waiting for the derogatory mark to come off my credit report. The representative i spoke with was not helpful and couldn't say. I just need this mark to show as paid and for it to be dropped.
Product: Debt collection

On XX/XX/XXXX, I disputed an alleged medical debt with XXXX XXXX XXXX XXXX , XXXX. I was never notified about this debt and they reported this to credit bureaus without properly validating the debt. On XX/XX/XXXX, the company responded saying they would remove the debt from all credit reports due to it's highly disputed nature. As of XX/XX/XXXX, this debt has not been remove from any of the credit reporting agencies and this is still damaging my credit worthiness. I am moving forward with submitting a complaint to my state 's attorney general office.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX
Product: Mortgage

I just got a letter from a company called  XXXX  that my house has been scheduled to be auctioned o n  XX/XX/XXXX . I have  been fighting this auctioning of my house with  Nationstar for many years now. Nationstar want to foreclose on my house instead of modifying my HAMP Loan Modification to a  more affordable mortgage monthly payment. I applied for this modification in  XXXX . I told the servicer to modify the loan but they have been giving me the runaround and playing hardball with me. They asked for the same documents over and over again since   XXXX   which were never used to modify the loan. Not only do they botched my loan modification, they refused to modify. They never made any conscientious effort to modify the loan. Their goal is always to foreclose. At this time I believe that they can not foreclose because of the foreclosure statue of limitation. They have been trying to foreclose on this house for the pas t 6 years. I  believe the statue of limitation has ran out. Attached is the foreclosure letter I received from a third party.
Product: Mortgage

I am in the process of trying to buy my first home. Huntington has made multiple mistakes that would have cost me an additional {$12000.00}, had I not read the disclsoures accurately. 

My initial pre-approval letter was completed at the beginning of XXXX for a 3 % down payment. I made an offer on a home shortly thereafter and all documents were sent to the bank, including the purchase order. They then proceeded to offer me a loan disclosure with a different down payment of 5 % and I was told this was because of my income level, which I was never advised of from the beginning. I provided my income level at the beginning, too. Shortly after, someone at Huntington read my purchase agreement incorrectly and assumed that the remainder of my down payment was actually earnest money and that it was already paid. That was then credited to closing costs causing the initial cash to close amount to go from {$12000.00} to {$19000.00}. Had I not done my due diligence, I would not have uncovered this. This was after weeks of trying to get a response. I was then laughed at via email when I said I was getting upset with the process. He responded with " lol, '' which was very unprofessional. Fast forward to XX/XX/XXXX, and I spoke with a manager and he assured me that the process would be smoother going forward. 

However, since then, I have uploaded all financial documents requested along with additional details and have continually asked the status of the closing and I still can not get in contact with anyone who has answers. I also was required to provide an original copy of the 4506-T form by mail, rather than signed electronically. I was told that the IRS does not accept electronic copies, but I found out directly from the IRS that they do, in fact, accept electronic copies signed via XXXX. 

Additionally, I was told the form would be XXXX  overnight. 2 days later, I received it. I forwarded it back that very day within an hour of receiving it. That was at the end of XXXX. It is now XX/XX/XXXX and I am weeks away from closing with no update from anyone. I have been treated very poorly during a global pandemic and am upset and unsure if I can even trust the process and loan process with Huntington at this point. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by Enhanced Recovery. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. 
ERC provided a response dated XXXX XXXX and stated that CFPB regulation states a direct dispute must include sufficient information, etc. This is a stall letter tactic ERC provided. My dispute was very specific. I challenged aspects of the FCRA and FDCPA. I sought validation and not verification. Additionally, the law provides that when I first disputed this entry with the credit bureaus and the bureaus made contact with them, the account was technically supposed to be updated to disputed at that time and not when I followed up to direct dispute with them. This is a very misleading practice and a violation of my consumer rights. If the bureaus communicated in writing to me stating ERC had verified the debt, why did ERC not update the status of the entry to the bureaus as dispute. After all, ERC pays the bureaus to provide such information. 

They did not provide any documents that bore my signature nor did they provide the original delinquency date nor a complete accounting of the alleged debt. The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for a XXXX bill, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity. 

Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
Product: Debt collection

On XX/XX/year> at XXXX XXXX I received an email from XXXX XXXX an employee of XXXX XXXX XXXX XXXX, a debt cancellation agency, regarding a debt that is over XXXX XXXX XXXX from American First Finance. I had never heard of XXXX XXXX XXXX XXXX nor received any notification that they were attempting to collect on this debt until I got the email. The email also mentioned that I was sent a notice allowing me to validate or dispute the debt. However, I never received such a letter or any form of communication. Additionally, this debt is over 6 years old, and according to XXXX law in Arizona, they can not continue to collect or sue me due to the age of the debt and the absence of a written contract with the mentioned debt collection agency. I have attached the email that was sent.
Product: Mortgage

On XX/XX/XXXX, I paid {$10000.00} on my mortgage. This should have been allocated as a single monthly interest payment ( in XX/XX/XXXX, interest was {$960.00} so XX/XX/XXXX should have been similar ) and the rest to principal. Instead, Ditech charged {$2800.00} in interest. Importantly, this is a pattern of overcharging interest by Ditech. They have done this several times to me as you can see in the payment history.
Product: Debt collection

Unfortunately I could only choose one option, however more than one does apply to my situation. On XXXX XXXX, XXXX, I closed my account with XXXX, which was paid in full Thru XXXX XXXX, XXXX. I had acquired a signal booster from XXXX as well, which was Returned on XXXX XXXX, XXXX, which was within the 30 days I was told to return it. I returned device to local XXXX store, which shipped via XXXX from the LocAl XXXX store to XXXX headquarters, the manager who sent the device to XXXX headquarters had rec for the shipping, as I have rec for returning device on XXXX/XXXX/XXXX. However XXXX HQ stated they never rec the device and sent me to collection. Collection company added XXXX to the already fraudulent charge of {$300.00} for a signal booster I returned. 
XXXX inc was the first collection Company which added {$190.00} to The signal booster charge of {$300.00}. for a Collection???? stating total debt due of {$490.00}. after responding to XXXX sending them copies of my receipts showing the device was returned, they took it off of my credit report and then sold the debt to Amsher. 
Before XXXX sold the debt I was able to clear my credit report up with the credit agency, showing I had no owed bad debt. Within days Amsher reported negative fraudulent debt against me again affecting my Credit report and FICO score, AGAIN, and have since hired an attorney. Amsher has also been copied on all receipts showing the device was returned my account was paid in full through XXXX XXXX, XXXX, to which I rec response stating they contacted XXXX & XXXX stated it was a Good Debt. This entire incident has negatively impacted me financially from a triple rate on auto insurance to an undeserved high interest rate for an auto loan, and since I REFUSE to pay a ridiculous int rate, because my credit is, or should be STELLAR! I pay my bills on time and owe NO ONE! This activity and collusion between XXXX diversified collection, XXXX XXXX XXXX XXXX attorney is illegal and 100 % fraudulent. I have been harassed threatened provoked and asked to settle on a debt I never owed. I have been told for a year that it will be taken care of only to continue to pay a ridiculous insurance premium and not be able to conduct business as I should, I am now without a working vehicle because I refuse to pay high interest rate and I see XXXX and these collection agencies not caring still one year later as I sit without an operable vehicle for something I never did this is illegal and corrupt, & needs immediate attention and resolve. not only do I want this removed from my credit now I want it backdated to when my credit report was first affected with all XXXX agencies that Amsher States they have submitted to. I am tired of trying to take care of this and fighting for myself and my rights with no resolve I have never heard of such monkey business. 
thank you I appreciate all you can do to help resolve the situation immediately XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America shows a late payment in XX/XX/2011 that is incorrect.
Product: Debt collection

I am writing this report as Im a victim of fraud. I checked my credit report and found that someone had use my ssn to run a backgrouch check on me to take out a lease for an apartment. The company ( creditor ) trying to collect the debt is XXXX XXXX XXXX. I have never interacted with them, never signed any physical documents online or in person, I have not received any physically evidence that I agreed to any lease. Once again I am a victim of fraud and this debt that this company is asking me to pay does not correspond to me. I have contacted the both parties, XXXX XXXX XXXX and the debt collection agency Hunter Warfield who is now trying to collect XXXXXXXX XXXX claiming that I ower XXXX XXXX XXXX for a lease on an apartment Ive never leased, signed, nor ever agreed upon.
Product: Credit reporting or other personal consumer reports

Since around 2023 affiants personally identifiable information continues to be trafficked by third parties without consent, or copyright license through an organized criminal scheme to deprive liberty under color of law. 

Affiant has been denied housing due to the dissemination of false and derogatory information by credit reporting agencies and tenant screening companies, who knowingly conspire to traffic in materially false statements to willfully and unlawfully possess, use, store, and traffic copyright protected indigenous property for illicit financial gain and profits. 

These entities have willfully infringed upon Affiant 's exclusive rights as a copyright holder protected under the XXXX XXXX 's copyright registration XXXX, with the Treaty accession XXXX, by trafficking materially false information and engaging in unlawful screening practices against protected persons and property of the indigenous people.
Product: Debt collection

I have been contacted several times about debt that Portfolio Recovery Associates will not verify when I have asked in writing and verbally, I look at debts that are close to the amounts they are claiming and those debts are past the statute of limitations, and they changed the debt amounts constantly. They threatened to sue me, they have taken action to garnish my check, they have scared me into paying debts that quite possibly are not mine by threatening me with court. They will not stop calling me and will not verify the debts they say they are trying to collect eventhough they say they will within 30 days. I am still receiving calls from them, they have placed fraudulent information on my credit report, they are trying to ruin my life!!!! Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this as a follow up to my dispute regarding the the fraudulent inquiries that are currently appearing on my credit reports. They continue to negatively impact my credit scores and financial standing. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. It has come to my attention that there are several fraudulent inquiries listed on my credit report that are in direct violation of the FCRA. I respectfully request that the following inquiries be immediately removed from my credit report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would like to remind the XXXX, EQUIFAX and XXXX Credit Bureaus that under the FCRA, credit bureaus are required to investigate and respond to consumer disputes within 30 days.