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

I am filing this complaint against Bank of America for inaccurately reporting a late payment on my credit report. I have never been late on any payment for this account, and I believe this inaccurate information is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( A ) ( 1 ). This section states that 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.

I have already disputed this inaccurate late payment with the credit bureaus, but the issue remains unresolved. As a result, I am seeking assistance from the CFPB to address this matter and ensure that Bank of America corrects the error and updates the information with the credit bureaus. The inaccurate late payment appears on my credit report as follows : Account : Bank of America Date of Reported Late Payment : XX/XX/2023 I kindly request that the CFPB investigate this matter and facilitate communication with Bank of America to resolve this issue promptly. I am committed to protecting my credit and ensuring the accuracy of my credit report, as mandated by the FCRA. 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX
Product: Mortgage

I discovered the Assignment of Mortgage on my loan being used to establish ownership was robo-signed. XXXX was not in business on XXXX XXXX, XXXX and did not exist on XXXX XXXX, XXXX, when the Assignment of Mortgage was recorded and filed in the office of the City Register of the XXXX. 
I requested for an explanation during the month of XXXX XXXX, but was not provided with this information in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ). 
I also requested to know the date the mortgage and note was transferred or placed into XXXX and when XXXX or XXXX indorsed the subject note to XXXX or transferred possession of it in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect Name - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from " XXXX XXXX '' with this number. Claimed to work for the county. Complete lie, threatening to arrest me etc. I recorded phone call and voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is It's not updating my credit reports activity I have restoutlined numberestart to the XXXX XXXX XXXX  and maybe fuse to correct the mistakes which is making it hard for me to establish credit and to get the assistance that is needed during these rough times I have no other option button reach out to the consumer protection bureau and hopes that they can reach out to XXXX to correct this so that way I may be able to able to sufficiently provide for my family and my family and retrieve the help that is so desperate needed at this time
Product: Credit card

I'm just trying to get my XXXX  card activated. Following the steps provided in-app triggered the Fraud alerts and has caused me an additional week delay, at a minimum, with no explanation. 
The only way I could have resolved it would have been to use a *different* phone number to verify it's me, which makes no sense. Citi has been having issues with their fraud alert systems for years, has claimed they will change it, and yet the problem remains. 

Dozens of examples of this issue can be found at the following links : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please note many of the examples are in the comments on the XXXX threads, not always just the main post. XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and an update because they were reported incorrectly in my file. 
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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

DPT EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this formal complaint to EQUIFAX. I sent them a letter last XX/XX/2023, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit card

I have sent several documents to Synovus, was working with someone that stated he was the attorney for the bank. XXXX XXXX, I answered all his question and emailed him my updated police report XX/XX/year>. Never heard back from him. Left voicemails no returned call. Synouvs never sent me a affidavit to file in regards to this account that does not belong to me. I never received a card and never knew the account was opened until I saw it on my credit report. Which I immediately called to dispute with them in regards to this account opened in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX i was notified that i owed a debt for a " XXXX XXXX XXXX XXXX' to a firm named Rausch Sturm LLP. They sent me a letter giving me a chance to dispute this and i responded immediately and did. They never responded. I thought that meant they did not have the proof that this was my account and i owed them anything so i thought it would fall off my report. It did not. Then in XXXX of XXXX, they tried to swindle me again. Sent me the exact same letter they sent me in XXXX of XXXX. I once again responded immediately. Again, no response, but this time i was not going to let it keep destroying my score. I waited 40+ days for a response, they did not, so i sent ANOTHER letter and they never responded again. It is clear they do not have anything substancial tying me to this debt they say is mine and have been breaking the law for some time now. I will attach all my their letters and all mine on to this complaint. I have the numbers for certifed mail too so I know they received my letters in response. They have continued to destroy my credit since then for no good reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ICS systems on behalf of XXXX XXXX submitted a charge off on my credit report resulting in my credit being dropped -50 points. I had contacted XXXX XXXX in XX/XX/XXXX when notice of this debt was received by mail. XXXX XXXX  was asked if they had received the modem which i was being charged for, they said yes. two months later i had a charge off on my credit report. I contacted the credit collector and disputed the charge XX/XX/XXXX. I contacted century link XX/XX/XXXX again gave them the tracking number, and they finally resolved the charge. However they have made no effort in good faith to repair my credit rating. They gave me blanket statements that it would probably be resolved in 30-60 days. This is unacceptable.
Product: Debt collection

I was the victim of fraud by scammer and my bank XXXX XXXX XXXX XXXX XXXX ) is expecting me to pay the money back. They have terminated my account and sent a dept collection agency after me and thee agency is threating to come after me if i don't the may the amount of {$8500.00} saying i owe my bank this money. They claim to have made multiple attempts to contact be but i never received any of them. The first and only letter i received was in XXXX they said i have till XXXX first to contact them or they will assume all their information is correct. But at the same time all attempts I've made to contact them have failed the phone number they gave to to contact doesn't work i get left of hold for hours and i dont know what to do.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, 845 written off. {$9.00}, 718 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$9700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$13000.00} Highest balance - Terms 39 Months On record until XX/XX/XXXX I requested XXXX forms that they filed for the charge off reporting on my consumer report. I need copies or proof that 1099 forms were not filed. I also request a copy of the contract. If no 1099 forms were filed i request the charge off be removed. i will be filing a 1099 OID, a 1096, a 1099B form and a 1099a to properly assess the taxes and will send copies to the company for IRS reporting. i also request that my down payment be returned to me. In accordance with the TRUTH IN LENDING ACT that the dealership participates in, when dealing a consumer transaction there is not to be any cash or finance charge involved. According to 15 USC 1662b their should not have been any downpayment. No cash should be involved in a consumer transaction. i also was not informed that insurance could be included in the finance charge according to 15 USC 1605. This info was not disclosed to me. i will rescind the credit consumer transaction if need be by sending a rescission letter to the registered agent o the dealership and the bank and seek damages under equity in arbitration or court. i also will be conveying legal title of the property into my private foreign grantors based solely on equity, making it trust property. also no lien is on file in XXXX ucc lien search, according to law no security interest is perfected without a XXXX  means no debt exist. i also request proof of perfected security interest by providing proof of a XXXX. i also request to no if the contract was securitzed. i also request the indentured trustee banks name address phone number and the trust representative contact info.
Product: Debt collection

Validation And Cease And Desist Credit Collection XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Account # XXXX XXXX XXXX Dear Credit Collection, I received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Under the fair credit act of 15 U.S. Code 1692g - Validation of debts states you must provide me with the validation of the debt within 30 days. This is the 2nd letter sent requesting the validation of this debt. If you can not provide the validation for this debt by all the things listed below, remove this account immediately off my credit report or I will report you to the IRS and CFPB for violation of my right and will seek compensation. So, please supply me with a copy of any agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practice Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

15 U.S. Code 1681b - Permissible purposes of consumer reports Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Mortgage

Pace loan approved by YGRENE XX/XX/2022. Work completed, paperwork submitted. Refused to pay vendor saying out of funds. Offered financing at a rate triple what was agreed upon. Bait & switch. After funding restored they still refuse to pay vendor. Lean put on property by vendor. My wife is a XXXXXXXX XXXX  & I am retired. We are on a fixed income.thats why we went with a pace loan. We feel targeted.
Product: Checking or savings account

On XX/XX/2021 I ordered an official check # XXXX which was to be delivered to a landlord for rent. In late XXXX, I became aware that the rent had not been received and I contacted USAA to troubleshoot. 
USAA told me that XXXX was the vendor that they contracted to deliver the check. I contacted XXXX and in early XXXX was told that XXXX had officially lost the package based on the tracking information. 
I then called USAA and asked them to refund my funds because the check had been lost. I was told that a Declaration of Loss and Indemnification form had to be signed and that it would be 90 days for the date of the check issue before my funds would be refunded. USAA prefilled the form, I signed it and uploaded it to the documents section on their website. Within a couple of weeks I received a letter stating that USAA had rejected the form. Since that time I have called USAA several times and re-signed and uploaded the document several times but USAA has not refunded the {$1700.00} that should have been deposited in my checking account on XXXX. I spoke to a USAA XXXX on XXXX and I was assured that the issue would be resolved or that I would be contacted on XXXX, but that never occurred. I told USAA that I had sent replacement funds to the landlord in XXXX and that if the check was cashed it would be a fraudulent activity. To date, USAA has not informed me that the check was cashed. Instead they falsely claim that the documents I sent have no signature.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) is a process server that was hired in my case XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX to legally serve me with a lawsuit. 

On XX/XX/2022, I was contacted by my sister. She informed me that XXXX XXXX XXXX went to my fathers house in XXXX XXXX, FL. According to my dad and my sister, XXXX was attempting to serve a warrant regarding a debt with XXXX XXXX. I have attached a picture of a text message that was sent to me by my sister. I asked my sister if she meant lawsuit instead of warrant. She said no- the person attempting to serve the papers to my father at the incorrect address referred to the papers as a warrant ( inferring an arrest or legal issues with the law ). In addition, it bothers me that XXXX XXXX XXXX gave my father specific information regarding my debt, including the amount owed and that the debt is due to XXXX XXXX. 

This is legally problematic due to several issues. ( XXXX ) XXXX XXXX XXXX members of my debt, who it is owed to, and the amount owed. ( XXXX ) The representative of XXXX that contacted my father, XXXX XXXX, referred to the lawsuit as a 'warrant ' to my father, possibly implying that I was in some sort of legal trouble with police. ( XXXX ) My father, the person to whom the process server spoke to at his home, is my abuser. My abusive father now knows about my debt. ( XXXX ) I have mental issues including XXXX, anxiety, and XXXX ( XXXX XXXX XXXX ) related to my family and my father. This incident, including having the incident reported to me by my abusive family, has caused me significant problems with my mental disorders. I had to temporarily increase my medication, and I had to make an emergency mental health appointment. Even typing about this incident and having to relive it in my head is causing me additional mental anguish and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

My venmo account was randomly locked or Frozen. I submitted a ticket to unlock the account and gain access to my funds. This was denied and they responded by telling me my account is permanently Frozen now. I have no way of accessing the money in there please help.
Product: Checking or savings account

On XX/XX/21 I received an ATM debit card for M & T Bank for me to activate to an account. I do not bank with this bank and did not open an account with them. I called the bank and asked them to close the checking account and to close off the ATM/Debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> I won a wager on XXXX XXXX in the amount of {$1100.00}. 
The same day I requested a withdrawal for {$1100.00} to my savings account ending in XXXX. 
On XX/XX/year> I received notification that I received the funds through my mobile banking app for Bank Of America but when I went to go withdraw the funds, the funds were not in my account. I reached out to XXXX customer service via chat room and email to try and figure out what happened to the money and they are insisting that Bank of America received the funds and everything was processed and approved. So I reached out to Bank Of America and they claim they never received the funds. I tried to give them all the information I have and they claim to have never received the {$1100.00}. My bank statements show I never received the funds either but XXXX insists they sent payment on XX/XX/year>. I have been going in circles for months now and still have not resolved the issue or received the funds.
Product: Checking or savings account

I was scammed by a company that was posing as a financial Institution. This company in which I found later that they was not actually XXXX XXXX. This company was able to get into Chase 's system and I was not notified as data breach ( 1 ) the so called financial institution was able to go into my account and make it seems like there was reversals to make a credit a couple of times on XX/XX/2018. I walked into Chase Bank in XXXX XXXX on XXXX and XXXX and told them what was happening and sat down with a banker and as I was sitting with him the scammers called and I put it on loud speaker so the banker can here. The Banker did nothing nor did he called the fraud department or the authorities ( 2 ) leaving my account vulnerable. Went to Nevada and spoke with another banker at Chase on XXXX  and XXXX, she went through my account and said it will be a lot of work and told me that I will have to make a appointment ( 3 ) Went to another bank where the banker opened me another account but did not close the other. Chase finally restricted my account and will close both in 10 days leaving me still vulnerable. As a consumer I was not protected by this financial Institution ( Chase ) They had a data breach and did not let there consumers know ( against law ) and I am being punished by their mishap They left me out there to be hacked, my account and personal information. After receiving threatening text and phone calls