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

The credit report from XXXX XXXX  shows monthly payment missing. But the payment is all done accurately, and balance is XXXX still in my credit report it shows payment missed and it is impacting my credit score XXXX : 30 days late payment in XX/XX/. I am filing this complaint to get the payment missing reversed so that my credit score be improved
Product: Credit reporting or other personal consumer reports

Lexis nexus have incorrect information regarding accident and Ive never been in those accidents they have nothing to do with me so Im uploading a copy of my mvr to verify it
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue I have encountered with TransUnion and XXXX XXXX regarding the verification of a debt, as well as reporting inaccuracies on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611, I submitted a Certified letter to TransUnion, requesting a method of verification for a specific account. Despite this, TransUnion has failed to provide me with any method of verification, thereby violating FCRA Section 611. 

Simultaneously, I contacted XXXX XXXX to request verification of the mentioned account 's ownership. In response, XXXX XXXX stated their inability to furnish the requested documents, depriving me of my rights as a consumer to access documentation pertaining to my account. I have attached XXXX XXXX 's response letter, confirming their inability to provide the necessary documents. 

The perplexing issue arises when TransUnion continues to verify the debt as valid, despite the fact that XXXX XXXX, the creditor, is unable to verify it. It appears that TransUnion may be engaging in deceptive practices, as it is paid by XXXX XXXX to report debts and may be profiting from inaccuracies. 

Moreover, I have identified reporting inaccuracies on my credit report from TransUnion, which is a further violation of my rights under the FCRA. I have attached a copy of my credit report highlighting these inaccuracies. 

I request the Consumer Financial Protection Bureau 's intervention in investigating and addressing this matter. It is imperative that TransUnion complies with FCRA Section 611 and rectifies the reporting inaccuracies promptly.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my most recent credit report and noticed a few inaccurate and unverified accounts. According to the FCRA ( Fair Credit Reporting Act 605b & 609 ) legally, all unverified, inaccurate and unauthorized items must be removed within four days. Please conduct a reasonable investigation to assure maximum accuracy of the information concerning my credit report. The following inaccuracies are highly injurious to my report : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX ( duplicate ) - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX If the information is found to be inaccurate, incomplete, or unverifiable it must be deleted and permanently blocked from my report. I also demand that you provide actual proof that the information has been verified, not a computer-generated confirmation.
Product: Credit card or prepaid card

Synchrony Bank for my XXXX XXXX Credit card. I set-up auto payments for my normal payments. In an attempt to pay off the promotional balance before the intrest was to be applied to the account, and to pay off. I would make additional separate payments from the auto payments. But Synchrony canceled my auto pay each time extra payments are made, and charged late fees to my account. Synchrony refused to credit all late fees.
Product: Mortgage

Amerihome Mortgage is refusing to allow me to make payments and keeps charging me late fees. They would not let me change the payment date in XXXX and my bank account was severely overdrafted. I had to have my bank refund the payment. Then they refused to take an online payment and told me to send a check. I sent a check on XX/XX/18 and they just let me know today that they rejected the payment for not being a XXXX XXXX XXXX  even though they didn't say that. So now I am XXXX months behind and they are still refusing to take my payments.
Product: Money transfer, virtual currency, or money service

Between XXXXXX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my PNC Bank account to fraudulent investment firm ( s ).
Product: Credit card or prepaid card

I was going to enter a debt consolidation program and they sent a letter to Bank of America by mistake saying I was including my account in the debt consolidation program when I wasn't including it in the program and then I decided not to do the debt consolidation program after I found out that they wouldn't be paying off my debt each month but rather negotiating with them and holding my money in an account which would cause late payments on my credit report. AT any rate, I've been paying my Bank of America credit card each month and unless I call Bank of America or tried to use it, I would never know my card was closed because no where on my statement does it say it is closed. Instead, it tells me what my available credit is and what my credit limit is. This is deceptive and I keep thinking that they have reopened my credit card each month when I receive my statement. I called Bank of America and they say it will show I have credit available to me until the card is paid in full. The statement should say what my available credit limit is but it should not say I have an available limit. It is just plain deceptive and gets my hopes up each month. I never missed a payment when they closed my account. They only closed because of a letter received in error, not on the basis of my payment history which I also believe is wrong. They had no reason to close my account if I was making my payments on time and not missing any payments. It took me 20 years for them to finally issue me a credit card and then to have them close it due to an error seems unjust. I want them to put somewhere on my statement that my card is closed and that I do not have any available credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated in relation to an account on my credit report. I reached out to TransUnion and requested that inaccurate information be deleted off of my credit report. TransUnion states that an investigation was done ; however errors and inaccuracies still exist on the report. The dates of last activity are not consistent among the XXXX reporting Credit Bureaus. Furthermore, my payment history is still not accurate. It is still showing a late payment and the XXXX reporting Credit Bureaus do not show the same payment history. How can validated information vary among the Bureaus? 

I have attached the investigative results and a copy of my credit report with the errors highlighted in yellow.

15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted and all negative information removed. 15 U.S.C 1681 Section 602 A - I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
Product: Checking or savings account

I opened an account in Bank of America about 3 months ago. I got a letter from Bank Of America earlier this month informing me that my account is going to be closed without any further information. 
I requestEd a report from XXXX  and there was no negative Information in my report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXX XXXX XXXX ) XX/XX/year>
Product: Debt collection

On XXXX XXXX PHH mortgage server as a agent for XXXX XXXX XXXX XXXX fraudulently and wrongfully foreclose on my property. These company has be deceiving me and my now decease mom into thinking that PHH mortgager was the servicer and XXXX XXXX XXXX XXXX AS TRUSTEE for the XXXX XXXX in which they hold no such title or claims to the property and I have the proof to support my claims. On XX/XX/1999 my now decease mom gave XXXX XXXX XXXX a Security Instrument ( Note ) XXXX. On XXXX XXXX the mortgage was then assigned to XXXX XXXX as Trustee for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. On XXXX XXXX, the mortgage was then assigned by XXXX XXXX XXXX, LP as Attorney -in-Fact for the XXXX XXXX Bank XXXX XXXX for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX to XXXX XXXX as Trustee. All trust my be filed with the SEC which one can not be found. XXXXXXXX XXXX  must prove that it has possession of both the promissory note and the mortgage and proof of chain with proper endorsement and assignment in which it has not. I have requested proof from the loan server and there respond was they PHH Mortgage was not involved in the origination and they can not comment
Product: Mortgage

This loan started at XXXX XXXX  and was sold to XXXX XXXX XXXX and then to Mr. Cooper. I have been trying to get a loan modification from Mr. Cooper for several years now after suffering a brain injury in XXXX of 2014 car accident. I have fully recovered from the accident and my income has stabilized ( although reduced due to XXXX ). Since this loan is not XXXX XXXX or XXXX XXXX loan, the investor has been unable to offer a loan modification that would lower my payment and defer a portion of the loan balance. I really want to keep my home and would like a fresh start to resume payments. 

There is also another issue of insurance claims that were processed through the lenders but the insurance money was never returned to me. I had to complete the insurance repairs with my own money instead of with insurance money which hurt my situation even more.
Product: Debt collection

They received my negotiable instrument in XX/XX/2022, and applied it to my account, and following that they closed my account as paid in full and satisfied. 
After several months they reversed the payment but left account closed, then proceeded to harrass me via mail, phone and email for a paid in full account. 
Now they claim they can not accept my negotiable instrument, and failed to return the multiple negotiable instruments I have sent, but are precluded by Public policy HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 USC 1601 and 1693 from demanding payment in any specific coin or currency of the United States . Section ( d ) ( 2 ) of Title 31 USC 1518 states that an obligation governed by gold coin is discharged on payment dollar for dollar, by United States coin or currency that is a legal tender at the time of payment. The narrow view that money is limited to legal tender is rejected under Section 1-201 ( 24 ) of the UCC. It is not limited to United States dollars. See official comments under section 3-104 of the UCC under the definition of money. The Trustees have failed to perform their duty as fiduciary trustee of the account. I have done a Notorial protest against them and the account for non-acceptance and payment under sections 3-501 and 3-505 ( a ) ( b ) of the UCC, which creates the evidence or presumption of a dishonor. They knowingly or unknowingly become the debtor and myself the creditor by operation of commercial and administrative law. Also worthy of note, if they are going to treat the note as a liability instrument, they have to present it to me for payment, make me chargeable under 3-501 of the UCC, which they have also failed to do. To the extent that they are in dishonor for non-acceptance and non payment by Notorial protest on the administrative side, there has been a discharge of the debt in its entirety under the Fair Debt Collection Practices Act within the 30 day time frame as mandated by law. They have been reported the IRS via form 3949 for unreported income, and to the FCC for Securities fraud and violation of my registered security. I sent them a negotiable instrument a Money Order/Registered Security/Negotiable Instrument in the amount to payoff account, to which they failed to apply to my account and have not returned. They have also failed to report the registered security to their financial books. They have been notified. They have continued to ignore my registered securities and refuse to properly credit my account. I have also submitted a Billing Error report to them and they are ignoring the Billing Error Dispute and harassing me via email, postal mail and telephone, that is a direct violation of my consumer rights.
Product: Mortgage

I am XXXX XXXX XXXX  and have been serving in the XXXX for 19.5 years and I have a home that I purchased XX/XX/2005. I have never been missed a payment until late last year when the tenant I had living in my home XXXX XXXX. I was trying to keep up with the payment with me no physically living in the home it became very challenging. Fast-forward I received a phone call from a mail carrier that I know who delivers mail in the area my home is in and she asked me if I knew that my home was in foreclosure and my response of course was no. I reached out to M & T bank and they said that they have been sending notices although I never received anything in the mail. I am not sure how the process work so I reached out to a real estate professional and I was informed to contact the bank again and see what the for sale date is. The bank the referred me to the attorneys who was taking my case. I contacted the attorneys who were handling my date and they emailed me the amount in arrears, the payoff amount and the Foreclosure for sale date. I have tried to work with the bank to get this date postponed as having an active foreclosure and I was told that there was nothing to do. I was told that I did not qualify for the program for military because I bought my house before the program for military was in effect. I do not want to loose my home. I am planning to move into my home once I retire which is in 1 year. I really need help with this matter. I did not work hard to keep up the payments of my home to just finally loose it without any notices at all. I hope that I can get some help in this matter. 
Thank You XXXX XXXX XXXX
Product: Mortgage

I received from the city of XXXX a tax statement to be refunded money for school taxes in the amount of {$330.00} and {$570.00} for the tax year of XXXX and XXXX. I have been calling XXXX to get a receipt sent to me stating my taxes were paid for XXXX and XXXX and they refuse to send the information to me. I would like my money returned to me and I keep getting the run around about my request about the tax receipt.
Product: Debt collection

My debt collector contacted one of my family members asking for my exact location. I am over 18 and no longer have any guardianships. They contacted me during work hours and after missing their call, they contact my aunt, who was never listed as a reference anywhere in the loan. Im not sure how they got a hold of my aunts information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I think inquiries have been fraudulently done under my social security or without my approval. 

Would love to have the inquiries I DID NOT APPLY FOR OR AUTHORIZE FOR A PULL ON MY REPORT REMOVED XXXX XXXX XXXX. Date : XX/XX/2021 XXXX  XXXX XXXX XXXX. Date : XX/XX/2021 XXXX XXXX XXXX XXXX. Date : XX/XX/2021 XXXX XXXX XXXX. Date : XX/XX/2021 Bank Of America. Date : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021
Product: Money transfer, virtual currency, or money service

Amount is {$1000.00} Date is XX/XX/ I emailed Venmo and they are holding my money.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an active case being reported on my background check for which is not indicative of all the actual facts pertaining to the case. This case has now caused a potential employer XXXX XXXX XXXX ) to issue a pre-adverse action letter on XX/XX/2022 which I believe is unjust considering the all the pertinent facts have not been included in the report. Pending an approaching trial date on XX/XX/2022 the case will be fully dismissed and subsequently expunged from my record. I have attached a sworn statement from my attorney whom is representing me in the case that will confirm this. Furthermore, there was no fault found in the case and no admission of guilt.
Product: Checking or savings account

To Whom It May Concern, I am writing to address an issue with my recent claim. After gathering all my bank statements to submit to a third party, I noticed multiple unauthorized transactions from XXXX. I immediately contacted Wells Fargo to dispute these charges and was given the claim number XXXX. 

However, I never received any follow-up communication or an email to submit documents that could support my case. When I reached out to the claims department, an agent named XXXX informed me that the claim would not be refunded because it was beyond the XXXX window and would be declined. 

I find it extremely frustrating that a claim would be denied without a thorough investigation. Why file a claim if its going to be dismissed without any real effort to verify the facts? I urge Wells Fargo to conduct a proper investigation, including confirming that the transactions were not made by me. 

This experience has been deeply disappointing, and it reflects poorly on Wells Fargo 's commitment to customer service.
Product: Credit reporting or other personal consumer reports

I Would like these unauthorized hard inquiries removed from my report. i DID NOT give them permission to pull my report. I want these removed. 

XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my Transunion credit report & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records and attach a copy of the identity theft report ( FTC report # : XXXX. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports. XXXX XXXXXXXX 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

I have a bunch of inaccuracies on my credit report. All 3 late payments have inaccuracies that don't match with all the credit bureaus. 

XXXX XXXX XXXX XXXX account number : XXXX open dateXXXX closed date XX/XX/XXXX last reported XX/XX/XXXX XXXX : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavilable last reported : XX/XX/XXXX Equifax : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

XXXX : XXXX XXXX  account number : XXXX open date : XX/XX/XXXX closed date : XX/XX/XXXX last reported XX/XX/XXXX XXXX : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported : XX/XX/XXXX Equifax : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported date : XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

XXXX : XXXX account number : XXXX open date : XX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX XXXX : XXXX  account number : XXXX open date : XX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX Equifax : XXXX account number : XXXX open date : XX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX Account numbers don't match Open dates don't match closed dates don't match last reported dates don't match. 

I want these deleted off my report I contacted all XXXX bureaus about this issue and nobody has done anything about them. By law if they are inaccurate they have to be removed. Thank you have a blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, they do not belong to me and are hurting me Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine.