23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX. I am submitting this formal complaint against Bank of America regarding a delayed payment occurrence on my account. The account was established in XXXX, and throughout its history, I have never been late. 

This is what happened : I was traveling for work reasons and fell ill. I can't see any adverse notice and now my perfect credit is destroyed and I can't get home due to the negative mark on XX/XX/XXXX. 

I confirm that I had an adequate balance to facilitate the successful processing of the aforementioned payment. My awareness of the account 's past-due status only transpired upon the identification of adverse effects within my credit report. 

Over the course of the past 18 years, I have maintained an enduring and loyal patronage with Bank of America, consistently exhibiting a commendable record of punctual and responsible payments. This verifiable history of payments stands as a testament to my unwavering commitment to fulfilling my financial obligations. 

It is noteworthy that I possess over 20 distinct accounts, and in each instance, I have diligently upheld a consistent record of timeliness. My steadfast pursuit of cultivating a positive credit history underscores my dedication to financial responsibility. Therefore, I earnestly beseech the company 's benevolence in expunging the record of a belated payment in XX/XX/XXXX from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I have talked to the furnisher and they have agreed to remove the account from my file. 
I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer report and found inaccurate items on my consumer report. The following items are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, INACCURATE NAMES, AND ADDRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen, social security number, name, address and fraudulent line of credit through XXXX XXXX XXXX XXXX XXXX. 

15 U.S. Code $ 1681c-2 a consumer reporting agency Experian, XXXX, XXXX XXXX XXXX XXXX, shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 2722 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

I have HELOC and a checking account with TD Bank for past 8 years. I have been paying on time via online banking schedule. In XXXX of 2017, for some reasons, TD bank received online banking check on XXXX, which was the due date, but TD bank decided to draw money from my checking account leaving balance in RED. When I called the bank, they looked everything and said you have been paying ontime and recommended to pay one or two days early so if there is a delay, it can be accommodated. So I changed my payments to 3 days in advance. 

For next three months everything was fine. In XXXX, TD Bank received the check on XXXX but their system decided to charge me again on XXXX leaving my checking in RED. So I called them. This time, I was told that 8 years ago I signed a paper and allowed TD to have direct deposit. When I argued that if I am paying in advance should bank be doing that. Customer support agree but could not move my money back to checking account. So I spoke with their supervisor and demanded to send me papers that shows if customer is paying in advance, TD is still authorized to have direct deposit. I was assured that I will receive these papers. I have NEVER received these papers. Meanwhile they continue to charge me illegal overdraft fee, maintenance fee etc. So I went to their branch in XXXX. After several days, I was told that I am responsible for the mistakes of their system. I do not mind paying fee if it is my fault. But it is banks fault and they are accepting mistake but refusing to waive illegal fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address reporting

XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my dissatisfaction with the handling of disputes I raised on my account. Despite providing clear evidence supporting my cases, most disputes has not been resolved to my satisfaction. I have submitted all requested documentation, including transaction details and supporting proof, yet my concern remains unresolved. 

It is extremely frustrating to experience such an unresponsive approach, especially when Ive made every effort to provide the necessary information to support my claims. As a customer, I expect that disputes will be handled fairly and thoroughly, and I feel that my situations has not been given the attention it deserves.
Product: Mortgage

SHELLPOINT MORTGAGE DECLINES TO SEND MONTHLY STATEMENT OF ACCOUNT VIOLATING XXXX The periodic statement must be delivered or placed in the mail within a reasonably prompt time after the payment due date or the end of any courtesy period provided for the previous billing cycle. The periodic statement must be delivered or placed in the mail within a reasonably prompt time after the payment due date or the end of any courtesy period provided for the previous billing cycle. 
( c ) Form of the periodic statement. The servicer must make the disclosures required by this section clearly and conspicuously in writing, or electronically if the consumer agrees, and in a form that the consumer may keep. Sample forms for periodic statements are provided in appendix H-30. Proper use of these forms complies with the requirements of this paragraph ( c ) and the layout requirements in paragraph ( d ) of this section. 

I DO NOT WANT ELECTRONICALLY ISSUED STATEMENT. VIA EMAIL I HAVE COMMUNICATED IT.
Product: Vehicle loan or lease

I purchased a company vehicle on XX/XX/2023. First Citizens Bank is the lienholder. As part of the purchase, First Citizens Bank said that they would register the vehicle & get the tags through their XXXX vendor. 

As of today, my vehicle is still not registered with the XXXX of Georgia. Ive been in constant communication with my First Citizens Bank XXXX XXXX & even contacted the First Citizens Bank XXXX department. In fact, I have an XXXX XXXX containing XXXX emails between my relationship XXXX & me, yet there still is no resolution :/
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 : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 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: Student loan

I enrolled into XXXX institute to take a XXXX program. they promised me job placing and that i will have a great job to pay back student loan. I received a grant of {$9000.00}. when I completed the program, I had to call to ask for my diploma and certificate. They told me they would mail it to me and call me back which I never received either. I now found out the school has been through a lawsuit and has been shut down. and they have over charged me for the program which added up to {$16000.00} and now forced me to be in debt for a scam they did to all students.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting XXXX XXXX correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be XXXX XXXX accurate on my credit report and XXXX 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting XXXX XXXX accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have lost access to my cash app account that has a balance on it and cash app will not allow me to access it because i do not have access to the phone number or email however i have verified my identity on that account as well as my new account so there should be no reason why i can't access it. my account that i can not access is XXXX XXXX and i have not been able to access it for months now. I emailed block inc and they told me that I should contact you guys. I have money on my account that I can't even spend because of the fact that cash app won't allow me to access it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX - Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 1 5 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
Product: Checking or savings account

M & T_Bank/Alerts, You are Required to reject an unknown charges of {$860.00} from XXXX Click XXXX : XXXX to reject now. XXXX
Product: Credit reporting or other personal consumer reports

Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Business Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, CA XXXX Complaint XXXX. Fraudulent Credit Reporting Misrepresentation of Creditor My personal and business credit reports wrongfully list an auto loan account under Volkswagen Credit , Inc. ( VCXXXX ), even though my original contract was with Audi Financial Services ( AFS ). 
At no point was I informed that my loan would be assigned, transferred, or securitized by Volkswagen Credit , Inc. 
This constitutes misrepresentation and deceptive lending practices under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

2. Inaccurate Reporting of 30-Day Late Payments My credit report falsely states that I was 30 days late for payments in XX/XX/XXXX ( XX/XX/XXXX ) and XX/XX/XXXX ( XX/XX/XXXX ). 
I previously disputed these inaccuracies, but XXXX, XXXX, and XXXX verified them as accurate without conducting a proper investigation. 
Under FCRA 1681i ( a ) ( 1 ) ( A ), the credit bureaus must conduct a full, legally compliant reinvestigation, yet they failed to do so.

Federal law prohibits the credit bureaus from relying solely on account statements as proof of delinquencythey must verify transaction logs, timestamps, and payment processing records.

3. Failure to Conduct a Proper Investigation & Verification The credit bureaus and Audi Financial Services failed to provide legally required documentation proving the validity of the late payments.

They did not review actual payment processing logs or timestamps, which is a direct violation of FCRA compliance standards. 
XXXX, XXXX, and XXXX failed in their legal obligation to verify information before re-reporting it as accurate. 

4. Failure to Provide Legally Required Credit Disclosures Under TILA ( 15 U.S.C. 1641 ( g ) ), I was never notified that my loan was assigned, transferred, or securitized. 
If Audi Financial Services transferred or securitized my loan with Volkswagen Credit , Inc., I was never properly notified, violating federal lending laws.

5. Potential Retaliation & Discriminatory Practices I have reason to believe that Audi Financial Services and Volkswagen Credit , Inc. may attempt to retaliate against me for filing this complaint.

I am formally putting all parties on notice that they can not suspend my account, alter my credit terms, or take adverse action against my personal or business credit standing due to my disputes.

Under the Equal Credit Opportunity Act ( ECOA 15 U.S.C. 1691 ) and FCRA, any such retaliation is strictly prohibited.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX XXXX of XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of XXXX XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ownes XXXX XXXX XXXX and I have 2 credit cards with them. 
XXXX XXXX XXXX  XXXX and XXXXXXXX XXXX XXXX it is XXXX XXXX  that is responsible for that fact XXXX is not reporting in a timely fashion. 

I have called XXXX Bank and they disconnect the call. 
I have called XXXX and XXXX people both told me they reported XX/XX/XXXX and that Experian is the XXXX or XXXX that is not reporting the information. 
Finger pointing continues to go on in a time where we can get virtual reports. 

We have a company legal service and plan to call them today to start legal process against them for the lies, and lack of getting our report correct for an upcoming loan for a home my husband and I are working on. I have been reaching out to all of them for a month now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times unsuccessfully to have the reporting of my student loans corrected at all three credit agencies. In response to my inquiries I receive form letters denying this correction. There are 12 separate listings, some are repeats of same loan, on each report of XXXX, Experian, and XXXX. 

Each contains multiple errors such as listed as still open and 120 days past due even though paid in full in XXXX, amounts incorrect, status incorrect marked as open when closed and multiple are over 7 years since first delinquency. 

Please help me correct these reportings. I was behind in my payments in XXXX due to personal illness and went through the loan rehabilitation process and consolidation process. My loans have been current for over 5 years yet these older accounts still remain as currently past due. 

XXXX does not respond and just sends form letters and adds comments stating verified by grantor.
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. 

XXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX CARD Account Number XXXX ( FRAUD ), FST XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX XXXX FRAUD ), XXXX  Account Number XXXX ( FRAUD ), XXXX XXXX  Account Number XXXX ( fraud ) XXXX XXXX Account Number XXXX ( Inaccurate reporting has reported paid in full due to auction sell on report then re put on credit as a separate debt. Was not notified by certified mail of a debt after sale per Texas XXXX ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXXXXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXXXXXX BANK NA Account Number XXXX has violated my rights. 

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

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

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

On XX/XX/2023 I submitted a request for a full payoff on my client 's mortgage loan account to the foreclosing attorneys. That same day, I received a response from the foreclosing law firm requesting authorization or a representation agreement to establish my relationship as the borrower 's attorney. On XX/XX/2023, I responded with a signed authorization from the borrower ( see attached ). This was rejected as insufficient in the following email from the foreclosure law firm ( body text reproduced below : " Good morning, we will need a letter of authorization and/or representation & who you are representing in order to provide these figures. '' I replied again with another written authorization, signed by the borrower and fully in compliance with Louisiana law. Again, the foreclosure law firm refused to provide a payoff figure without being sent a representation agreement. Both Authorizations were valid Third Party Authorization forms that include all information pertinent to identify the loan account and bear the borrower 's signature. 

The repeated refusal to accept a valid Third Party Authorization has hampered my client 's ability to consider options that might avoid the foreclosure entirely, such as a private sale. Without knowing how much she owes, it is not possible to determine if the private sale would be a short sale requiring lender authorization or not. With a sale date less than thirty days away, the delays in recognizing the borrower 's valid written third party authorization constitute a strategy of delay with the objective of effectuating the foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

i don't know what are you looking at when you do my investigation on this account from XXXX/XXXX  # XXXX it clearly shows that it's inaccurate!! this is a violation of my rights according to FCRA ... stop wasting time and delete this!! date last activity transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX... last payment : transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ... ... doesn't look accurate to me...