23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im 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 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I paid the loan off in good faith in XXXX, XXXX in the amount of {$36000.00}, disputing the usurious interest attached to my loan. Despite paying this {$36000.00} amount, the sale and resale of my loan, accruing interest with each sale, has my loan at the present amount of over {$100000.00}. 
The table below outlines the loan activity over the years. I utilized each lenders documentation to devise this table : Statement Date Lender Amount Owed Amount Paid APR Notes XX/XX/XXXX XXXX {$34000.00} 9 % First known student loan statement XXXX XXXX {$44000.00} 9 % Consolidated loans XXXX XXXX XXXX {$61000.00} 9 % XXXX purchased loan from XXXX XXXX XXXX XXXX {$56000.00} 9 % Balance decreased for reasons unknown XX/XX/XXXXXXXX XXXX XXXX {$36000.00} Disputed accrued interest, issued {$36000.00} payment, lenders allowed interest to accrue XXXX XXXX {$64000.00} 9 % XXXX purchased loan from XXXX XX/XX/XXXXXXXX XXXX/Nelnet {$64000.00} 9 % USA Funds sold loan to XXXX Finance, Nelnet XX/XX/XXXXXXXX XXXX/Nelnet {$85.00}, XXXX 9 % Incredible ! 
XX/XX/XXXX XXXX/Nelnet {$87000.00} 9 % XX/XX/XXXX Fed Loan Servicing {$89000.00} 9 % Fed Loan Servicing assumed loan from XXXX/Nelnet XX/XX/XXXX Fed Loan Servicing {$98000.00} 9 % XX/XX/XXXX XXXX XXXXXXXX XXXX {$98000.00} 9 % XXXX Nelnet {$98000.00} 9 % Nelnet assumed loan servicing XXXX Nelnet {$110.00} XXXX XXXX 9 % Incredible XXXX
Product: Checking or savings account

Direct deposits in 2 accounts of mine have not deposited. Company has not offered any information as to when Friends will be available My employer has dated direct deposit went to my bank on Tuesday. Direct deposit is always there on Thursday morning and is still not available. Nor is it pending.
Product: Credit card or prepaid card

I went to withdraw my money from my account on XX/XX/XXXX to buy a XXXX  van. I had purchased checks believing I could write a check but there was a maximum limit of {$3500.00} a month. I couldnt find a reasonable place to get my money. I read in the rules I could close out my account and recieve my money that way. I spoke with a representative on XX/XX/XXXX they told me they closed out the account in the amount of {$10.00}. I was angry at that point as I had {$12000.00}. When I stated this the employee didn't react at all as if this is common practice. Being upset I called again on XX/XX/XXXX and the employee stated a check was issued but he didn't state how much the check was and when I told him the amount it should be he didn't react either. So I waited for the check it took 14 days not 7 or 10 days as stated on there website. 
As soon as I closed the account I lost all my data that was available to me. I no longer had access to my money, my payments, my yearly statements. 
When I received the check I was in shock. Did they really think I was going to accept {$10.00} and go away? I called and spent 3 hours on the phone jumping through hoops never getting any one that cared about the {$12000.00} mistake. 
I have a screenshot of my account. Some alerts via text message, I also have the bank that gave me the loan for the XXXX  van ....
Product: Debt collection

My mom has been getting phone calls for 13 years about an old bill. Yes from 13 years ago. They have threatened to remove her furniture, take money off her credit card and now contacted mom 's neighbors to knock on her door. My mom is XXXX years old and almost completely XXXX. These people almost gave her a XXXX XXXX this week. Especially when neighbors are involved. 
My mom 's name is XXXX XXXX. resides in XXXX. I told XXXX XXXX she is in a XXXX home, so she stops calling. 

I have called debt management to confirm statue of limitations is 7 years. They have called relentlessly for years. 

I would like your help in contacting them and I would like to press charges for their scary tactics that has seriously done damage to us. 
They are XXXX XXXX XXXX XXXX XXXX TexasXXXX XXXX is the nasty lady, her number is XXXX XXXX but she picks up the call. 

Thank you so much, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit agencies to validate the information that's reporting on my credit report and they have failed to provide me with this information and its negatively reporting on my credit report. According to the Fair Credit Reporting Act. 15 U.S. Code 1601 Truth and Lending congress states that accuracy and fairness of credit reporting should be reported.

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we go AGAIN with XXXX XXXX, XXXX, XXXX  XXXX, otherwise known as XXXX, XXXX, and Experian!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX  I Sent A Letter after I recently received a copy of my credit report, and I noticed some accounts still on my consumer report that is inaccurate. 


This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the accounts 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 I have Yet To Receive anything. They Are Not complying by their own rules. and breaking the Laws.
Product: Credit card

I was charged a mysterious credit card charge for an amount that was not authorized on XXXX XXXX I contacted the merchant asking for an explanation of what the charge was, and they could not provide any details or receipt matching the charge. 

I then contacted the bank to inform the bank that this transaction was not valid, and was directed to speak with a dispute representative. The representative then requested I upload specific paperwork, including my correspondence with the merchant, which I did. I did not receive any further instructions from this individual or from anyone else at the bank. 

I then received a notice on XX/XX/XXXX that the dispute was closed because I had not provided the correct paperwork. I called the number on the letter, and they claimed that the agent who filed the dispute incorrectly labeled the dispute as a transaction that had already been paid for by another means ( it was not, it was a mysterious charge that the merchant could not explain when I contacted them and did not have any record for ). 

I told them again that the charge was not valid, and they said that they did not have a right to reopen the claim and that they did not have to pursue this claim. This is despite the advertisement of purchase and fraud protection as a feature of this XXXX XXXX credit card product.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> I received a letter from your company stating that the item I disputed has been up-dated with new information. Well, after carefully looking at my credit report, I dont see what has been updated, and I dont think that was the reason for my dispute. XXXX a bit confused here. Please tell me what has been updated? For example, has the balance on my account changed? Was the late payment indication on my account removed? What has been updated? If your company cant fully disclose what has been updated, then I need you to re-investigate the item that I disputed. 

XXXX XXXX XXXX XXXX  XXXX Each day your company refuses to investigate the incorrect item is causing me XXXX. Im asking you for a second time to please investigate the negative accounts listed above. 
I think 30 days should be long enough for your company to complete this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

starting last year I noticed that my vehicle finance company was showing me as missing and or being late on payments that did not add up. I sent inquiries via the email portal on their website and I never got a response. The information on my credit report is not accurate or up to date. The account is actually closed now " paid in full '' and it still shows me as having a balance on my credit report. When i contacted the company they claimed that everything is correct, but it is not. I have done the disputes through XXXX XXXX and they have come back the same and nothing is being done to correct the wrong information nor have they updated showing that the account is paid in full. I need help and or guidance on how to force them to update my account as paid in full, and remove some of if not all of the negative marks on my account and credit report since they never provided me with information showing when I was late or what payment I had totally missed ... I mean, if I had missed 18 payments on a vehicle ... it would have been repossessed. The name of the company is Credit acceptance.
Product: Mortgage

Wells Fargo mortgage acct no. XXXX open on XX/XX/XXXX home sold XX/XX/XXXX shows late payments on XX/XX/XXXX ( 6 months after close of sale ) I called Wells Fargo they just gave me run around with no resolution
Product: Debt collection

They keep calling telling us we need to make a payment, and we keep telling them, we can't till be get our Social Security, then they call again. Today alone the have called all out phone 7 times before noon.
Product: Mortgage

I have had frequent problems with Wells Fargo. As a customer of theirs, after the Wachovia merger caused Wells to be my mortgage lender for my XXXX and XXXX mortgages, I have hit brick walls in trying to get my mortgage issues resolved with them. During the XXXX several years I 'd dealt with them, I had no problems. However, after XXXX late payments in XXXX and their still extracting funds from my checking account, I continued to make my payments in a timely manner. In XXXX XXXX, after my Chapter XXXX bankruptcy, I continued making my payments. I never reaffirmed the mortgages as they never approached me about doing so. In XXXX XXXX, they said that as long as I made my payments in the month they were due and the required amounts, the mortgages would continue. I kept my part of the bargain. Then, in XXXX XXXX, when I called to make my payments, they refused them saying they were NOT accepting any more of my payments. I asked why and the rep said it was a business decision. I asked what exactly that meant and even asked to speak with a supervisor for clarification. I was given no information. I hired a XXXX to help me figure out why they did n't want my money anymore. She did n't get very far with them either and I sent them a letter asking if they would reconsider letting me continue to make my monthly payments as I 'd done for XXXX XXXX years in this home. They never responded. I called them to ask about resuming my payments and was told by a CSR that they were n't allowed to speak with me. I let my attorney know and she wrote them a letter saying that she no longer represents me so they might speak with me. I called my attorney and met with her again as well as spoke with another attorney that she referred me to. They XXXX suggested that I file a complaint with the CFPB. I am really frustrated and just need resolution to this nightmare.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be an error. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR ELAN FIN SVC any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit card or prepaid card

On XX/XX/2022, I received a very official looking email from the Bank of America stating that there was an issue with my California XXXX account and that I should call them - which I did. I verified all my information with the operator, but said operator could not find any issues with my account. 
On XX/XX/2022, two transfers were made from my BofA XXXX account, the first for {$2400.00} to an account which was not mine, which was immediately closed and then another transfer for {$600.00} to a new account which, again, had nothing to do with me. 

I tried to contact the BofA, but all my passwords and information had been changed. 

After seven guelling attempts and as many hours, I was able to reinstate my personal information. I filed a dispute with BofA over the fraudulently removed funds. 

Several days later, I called BofA to discover that they denied my dispute without investigation. I was able to speak with a supervisor who looked at the issue and agreed that there was obvious fraud and reopened the investigation. 

Today, XX/XX/2022, I learned that the dispute was denied again- without investigation - dispite my having provided BofA at their request with all pertinent information regarding the phishing email and my phone records indication that I had indeed called the site. This information - requested by old fashioned phone fax - was apparently not even looked at. 

I was able to reach another supervisor who agreed that there was obvious fraud and re-opened the dispute a second time. 

It is obvious that there are people inside either California XXXX or Bank of America or both who are providing personal information to third party scammers. Bank of America for its part is doing nothing to adress this problem and dismisses dissputes out of hand without any investigation whatsoever.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

On XXXX XXXX, 2022 I received a letter from PennyMac stating that my property taxes on my XXXX property were overdue, and that I would be in default of the loan terms if not paid within 14 days. I paid the taxes on the same day of receipt, XXXX XXXX, and I paid them in full. As requested by PennyMac, I sent in proof of payment ( verified Credit Card receipt AND proof of payment from XXXX XXXX XXXX, showing that XXXX taxes were due on my property. I then received a phone call with a recorded message on XXXX XXXX, stating to call about my account. There were no details left, nor which property and I have XXXX loans with this company. Also, when I answered the phone to PennyMac, it is a recorded voice telling you to call them, and no human is on the line, On XXXX, when I was finally able to call and speak with a person, I was told that my taxes were unpaid. I explained that I had both FAXED and POSTAL mailed proof of my payment XXXX weeks prior. The service rep was able to fix everything but it too, XXXX minutes and am very concerned that because of this they will try to default my loan based on unpaid property taxes. How does such a gigantic company not update its records for XXXX month? I also believe that the company should have to leave detailed information about what the issue is and what property it is specifically. I also had received an email from PennyMac about the status of my account on XXXX XXXX. I called that day and the rep said there were no issues with any- all XXXX of my accounts. And then today, I get yet another phone call- robo call without any information- even though I answer the phone, you get a recording telling you to call them. The rep also said I had requested I have now spent several calls, hours and emails for something that should not have even been a problem. It is very frustrating and this can't possibly be good business practice. It causes extreme anxiety to threaten a patron with flawless payment history and had complied immediately to continue be told they will possibly default the loan and this company should have either more employees and have some checks and balances so this doesn't continue to happen.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, my card did not work and I called to find out why. I learned that my account had been flagged for fraud. After work that day, I called again and kept a representative on the line while I XXXX out my account. Account was XXXX out at XXXX XXXX. I was told my account was closed and my card could no longer be used. I was told not to use my card and that I would be getting a new card in the mail. I did not use the card from that point forward ; however, my employer did send my XXXX XXXX pay to the account. 

Since I was told the account/card was closed and could n't be used, I do not understand how someone was able to fraudulently charge/debit {$520.00} to the account ; nor, do I understand how the card was swiped when it has never left my possession. 

As I have discussed with Bank of America in numerous telephone calls from XXXX XXXX XXXX XXXX, XXXX ( see communication log below ), I am disputing the following fraudulent charges/debits on my account. 
XXXX XXXX, XXXX {$160.00} XXXX ( XXXX, PA ) XXXX XXXX, XXXX {$200.00} XXXX XXXX XXXX XXXX, PA ) XXXX XXXX, XXXX {$150.00} XXXX ( XXXX XXXX, PA ) Not sure of the time of transaction but I was at work, in XXXX, PA, from XXXX XXXX to XXXX XXXX this day. 

I can honestly say that I do n't believe I have ever even stepped foot in either the XXXX XXXX or the XXXX XXXX XXXX. Furthermore, I had my young sons the weekend of XXXX XXXX. If I go shopping when I have them, it is only for necessities, mainly food, for while they are at my house. I certainly would n't have such a large order, nor would I be traveling to approximately an hour to XXXX XXXX to shop. 

I have been disputing these charges for nearly two months and do n't seem to be any closer to a resolution. Since they now claim they have another 45 days to make a ruling regarding the dispute, I would appreciate any assistance the CFPB could provide.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Equifaxs Verification of Bankruptcy Reporting Dear CFPB Representative, I am writing to formally submit a complaint against Equifax in regard to their continued verification of a bankruptcy that they are the sole credit reporting agency to report. I have reviewed my credit reports from the other major credit reporting agencies, XXXX and XXXX, and they do not report this bankruptcy. Despite my efforts to dispute this inaccurate information with Equifax directly, they have continuously verified the bankruptcy as accurate without providing sufficient documentation or explanation. 

This discrepancy in reporting has had a significant negative impact on my credit score and overall financial standing. I am concerned that Equifaxs actions violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure that the information they report is accurate, complete, and verifiable. 

I kindly request the CFPBs assistance in investigating this matter and ensuring that Equifax provides appropriate documentation to support their continued reporting of the bankruptcy or removes the inaccurate information from my credit report. 

Please feel free to contact me for any additional information or documentation that may assist in resolving this issue. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX