23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

YOUR COMPLAINT On XX/XX/XXXX, I attempted to withdraw funds from a BofA at a different location than our home bank. The ATM declined to release funds, citing suspicious activity. I am unaware of anyone else relieving the BofA of my funds at the time. I called to have the hold lifted, by phone to no avail. I then made numerous attempts both by phone and by entering the local BofA. Each time I was unable to straighten this out. The people from the bank would not help at all. They wanted the payee to come in. I showed a police report of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He is not capable of leaving the place, because he is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and he has XXXX which i was told by his dr that he will never leave where he is because of the XXXX XXXX XXXX XXXX XXXX XXXX. So now, not only he can't travel, but neither can he XXXX. Recently had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After numerous attempts to withdraw my funds, I am about to lose my vehicle ( impounded ) nor am I able to pay rent, utilities, non food items, etc. so on XX/XX/XXXX, I entered the bank to demand they give me my money, then was told I had XXXX in my account. It should have been $ XXXX. When requesting to see last 10 transactions, the teller refused and despite being told of my brother 's demise. Instead of assisting me, they give away my money. This is blatant discrimination. I have no money, i am XXXX and XXXX. They are costing me my car. They need to pay for this mis treatment. I'll find out their names, only if they be reprimanded for how XXXX being treated. I hope they feel the impact that I feel. Filed complaint earlier threw you guys that was closed because you guys said they responded to me but have not received anything from them want to reopen case get something done for me please
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proof from social security admin saying I had a rep payee from XX/XX/XXXX to XX/XX/XXXX and there are a lot of neg accounts on my credit report that were never paid by these payees and unapproved hard inquiries on my credit reports and I feel these payees trying to get credit in my name and XXXX   XXXX and XXXX won't take proof from SSA saying I need to file a police report on paying not paying bills and the police department says its a civil matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore Loan Management sold the servicing of my mortgage to XXXX Mortgage XXXX. The transfer was made on XX/XX/2022, as of XX/XX/2022 my credit score dropped XXXX points. The problem is that Rushmore is showing the account as " closed '' not sold or transferred. I have tried speaking with them on the phone, and even filed a complaint with the XXXX. Their stance is basically that the account is no longer with them, so it is no longer their problem.
Product: Debt collection

XX/XX/XXXX They called my work told the customer service rep. I needed to be served with a legal notice and then they asked for my boss XX/XX/XXXX they called again gave the csr XXXX all the info to contact me told her it was to serve me a legal notice now everyone st work knows my business. 

The old credit card account was closed in XXXX I believe the statue of limitations has expired on this account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ; Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I was trying to sell a car thru the XXXX On XX/XX/2022, I received a message from a guy who wanted to buy it ( I'm attaching the copy of our conversation ). He send me a check with more amount than I requested asking to pay the movers. 

I deposited the check and after two business days it didn't went through the bank blocked my account and then closed it with no details. 

I was trying to call the bank ( Bank of America ), visited the branch but nothing helped. They even didn't want to talk to me saying if the decision was made, there is nothing they can do. I asked why they didn't let me know if the check was fake when I was depositing it, they said their first scan system doesn't show always if a check is fake but it would be found out at the end of the day when they scan the checks though the system. 
On XX/XX/ I received a letter from the bank that their decision is final and they reported my information to XXXX XXXXXXXX XXXX XXXX XXXXXXXX which may affect my ability to open an account at any other financial institution. 

While I'm trying to resolve this issue with CFPB, I completed a police report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX ; XXXX  : # XXXX ; and XXXX XXXX XXXX  : # XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the XXXX and Transunion and XXXX credit reporting agency , block information reporting on my consumer report that result in identity theft and fraud within 4 daysof receiving this complaint.The fraudulent inaccurate account is XXXX Automotive account number XXXX account account appearing on my consumer report i do not recognize the aforementioned account.I have attached my FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021, XXXX XXXX XXXX XXXX PERFORMED A FEDERAL DIRECT CONSOLIDATION THAT I DID NOT AUTHORIZE OR APPROVE OF. I
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX, XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  XX/XX/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: Debt collection

Midwest Recovery Systems, XXXX, posted a trade line on credit reporting agencies for a debt not owed to XXXX. Midwest Recovery Systems, XXXX, did not send a letter to dispute this debt. This is a zombie debt not owed.
Product: Payday loan, title loan, personal loan, or advance loan

I had a family emergency which I communicated with they have signs posted that they will work with you as long as you communicate but they weren't willing to work with me on the date I was able to pay. Then I had XXXX emergencies in XXXX and a unexpected moved that I had to make. They have called my job everyday to the point my job asked them to stop calling and then they called private to try to reach me at work even after being asked not to call. They contacted my dad and left a voicemail today XX/XX/year> and he is not listed on my account. I don't know how they got his information and I am.sure it's illegal.
Product: Vehicle loan or lease

The problem I'm having is now that I'm at the end of the loan.

I'm trying to pay more on the vehicle to get it paid off. But for some strange Reason they keep increasing the interest, My payment is {$450.00} I send {$500.00} I ask to have the extra {$50.00} applied to the principle and for whatever Reason the interest always seems to offset my payment so no extra funds Are available to go to the principle. This has been going on for the last 24 months Of paying for the vehicle. For example if I send in the {$500.00} they take {$300.00} & Apply that to the principle & the interest is {$190.00} The interest seems to be all over The place to keep me from paying off the loan before the 72 months. I have a email From the finance company detailed with all payments. I have approximately {$3400.00} Left on the vehicle & they are stating I have 10 payments left. If you do the math that Would be {$4500.00} not {$3400.00} with extra money being sent. I can send the detailed Billing register of all payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed numerous accounts and a bankruptcy with XXXX on XXXX and they reported that there was no bankruptcy and no negative accounts on my report. I disputed the same with Transunion, XXXX, and XXXX on XXXX. An investigation supposedly done and nothing changed. I even called transunion and XXXX. I spoke to XXXX XXXX a supervisor from transunion which did not give me his ID and refused to give me anything else but his name. I asked him for the method of verification if there was in fact an investigation done and he had no information about the third party used and all he had was a phone number in which in fact wasnt even a third party number in which they use to verify. He said no information was on file about their method of verification. I called XXXX and same scenario no third party information was given and just gave me the same number in which is not a third party. The number was from a court in which do not share nor provide any information to credit companies. 
According to the law 15 us 1681 ( a ) consumer rights to privacy was infringed upon and 15 us 1681 ( b ) ( 2 ) I did not grant or give written instructions nor permissible purpose.
Product: Debt collection

In XXXX I was had a XXXX minutes ride from my house to the hospital. I negotiated with the ambulance company back then on the price, and we agreed to pay one time the full amount after they gave me a discount. I paid and it was closed as account. 6 years later this phoenix finacial service send e this letter telling me that my account was bought by XXXX XXXX XXXX XXXX who never contacted me for anything, and precisely this company has placed the account under collection with phoenix financialservices. 

This is a debt he says, she says. Where were these people 6 years ago? Why I was never contacted by the new company who bought the previous services? 
Please, I need help to stop these greedy thieves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting lots of inaccuracies in my report. I have been sending letters to since XXXX Transunion - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 120Days and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and Im submitting this CFPB complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information that are listed on an IDEDNTITY THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of accounts and information which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

Onemain Financial - XXXX  Creditor listed this account as late for XX/XX/XXXX XX/XX/XXXX on my credit report. However, this account was not late. I have a receipt for the payments that I made. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have sent two letters to each of the bureau which have not been responded to in over 60 days. I requested incorrect information be removed from my report. I also filed a CFPB complaint and the company has still not removed the information. This company is reporting fradulent and inaccurate information.

Under the Fair Right Reporting Act, I have the right to dispute incomplete or inaccurate information.

After reviewing my credit report. I feel i might be susceptible to identity fraud. The bureaus are reporting addresses that have never belonged to me.

My one and only ADDRESS IS XXXX XXXX XXXX XXXX, XXXX Co, XXXX PLEAS REMOVE ALL OTHERS. They are undeliverable or fradulent. 

My one and only name is XXXX XXXX XXXX, please remove all others. 


My date of birth is XXXX, please remove all others. 

I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE I HAVE NEVER LIVED AT XXXX XXXX XXXX PLEASE REMOVE. 
I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE. 

I AM DEMANDING ALL FRADULENT INFORMATION BE REMOVED FROM MY REPORT. 

I have attached proof that incorrect information is being reported and i have also attached my social security card and a bank statement as identification and proof of address.
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 XXXX  # XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been reporting inaccurate information on my credit report, accounts by XXXX XXXX XXXX and XXXX XXXX are reporting open still, the CFPB had investigated these accounts and they were closed due to inaccurate information.
Product: Credit card or prepaid card

I had made a purchase at XXXX XXXX for {$1000.00} on XX/XX/2018. I had returned the item immediately to them and XXXX 's took a long time processing the refund, but it was processed on XX/XX/2018. During this time I had made a payment. Interest had accrued and was not posted to my account until after that. Based on {$8.00} interest, It was reported to my credit as a late payment. I was not made aware that I had a balance on my credit card for {$8.00}, and I should have been notified before it was reported to my credit agency. This is ruining my credit score.
Product: Mortgage

Our Mortgage Company XXXX tried to foreclose on our home. We were in Chapter XXXX and they went to the court and said we were not paying our mortgage and it left us unprotected and this predatory lender to then initiate foreclosure. However we paid them every month. And we proved our payments to them were cashed.

After paying a huge sum of money over {$14000.00} to save our home ( that we are still disputing ) they have written us back with made up accounting and made up letters they said they sent us. You see in Chapter XXXX they are not allowed to send you letters. So we know they falsified the letters. They would have gone to our attorney and the attorney has gotten no such letter. In one conversation they said they couldn't find us. Yet after that letters addressed to us appeared.

I am attaching a letter that details everything. We also have had two forensic accountants that went over everything and said their, XXXX, numbers are wrong. We are missing escrow money {$10000.00} plus and they said they paid our taxes when in fact we paid them all except one time. They paid the taxes which we sent the tax money in as well but the state kept theirs. I can provide the accountants spreadsheet if needed. I am really hoping you can help as it put so much stress on my husband and I that his XXXX XXXX has grown since his last visit. Thank God I had retirement to borrow against in the meantime but I want my money back. I want XXXX to right their wrong.

Thank you
Product: Credit reporting or other personal consumer reports

I woke up this morning around XXXX Eastern time because I had heard my phone ding. There was an email from XXXX  stating that there was a new inquiry on my credit report, when I logged in there was a hard inquiry from XXXX  XXXX today. I have no applied for a XXXX  XXXX credit card and I have no submitted a request for one. I contacted XXXX and filed a dispute, I also filed one with equifax. XXXX advised me to contact the bank XXXX XXXX. I was told by a representative that someone did try to open a card in my name and that they would decline the application due to me letting them know someone had used my social security number unknowingly. I told them that if it werent for XXXX  emailing me and letting me know about the inquiry I wouldve never knew someone tried to get a card in my name. Especially due to me not getting an alert from XXXX XXXX or anything. I do not have any accounts with XXXX  XXXX and I have never applied for a XXXX  XXXX card.