23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. Also my information has been exposed in the data breach. XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX XXXX are reporting inaccurate information pertaining to a bankruptcy, all 3 agencies show different information. Under the law all 3 agencies must report same information XXXX has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX Equifax has file date XX/XX/XXXX Equifax has Ref # XXXX XXXX has Ref # XXXX XXXX has Ref # XXXX Equifax has month of discharge - None XXXX has month of discharge - XX/XX/XXXX XXXX has month of discharge - None Equifax shows address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX shows address - XXXX XXXX Equifax shows Type of Court - US Bankruptcy Court XXXX shows Type of Court - US Bankruptcy Court XXXX shows Type of Court - US BKPT CT  Equifax shows phone # XXXX XXXX shows phone # XXXX XXXX shows none
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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

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

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

On XX/XX/XXXX, I wrote a check and did a mobile deposit into a a bank account I have at another bank. There was an issue with the scanning of the check. On XX/XX/XXXX, Bank of America did a " Posted Item Correction Debit '' for check I wrote in the amount of {$3000.00}. My other back then rescanned the check and on XX/XX/XXXX Bank of America tried to pull the {$3000.00} out of my account for the check properly scanning. The check bounced due to insufficient funds, as they had been pulled out on XX/XX/XXXX and never returned. On XX/XX/XXXX, the same issue occurred where Bank of America again tried to pull the {$3000.00} out of my account. I spoke to someone who did a stop payment on the check, subsequently pulling the {$3000.00} out of my IXXXX XXXXXXXX XXXX XXXX Account. 

On XX/XX/XXXX, I was told by a representative they saw the error and were filling a claim. I never got my money back. Ive called and spoken to people on XXXX. On XX/XX/XXXX, I spoke to someone in research and adjustments by the name XXXX. I was informed there was a bank error under the " Posted Item Correction Debit '' notes. There was a note from the bank saying funds were taken in error. XXXX could see the funds were taken and never returned. I was told it was a FDES Transaction and ultimately the funds were in limbo. The funds never were sent to my XXXX  XXXX XXXX XXXX Account. On XX/XX/XXXX, I was told the funds were taken out as a " collateral '' for a credit card and was transferred to credit cards. When speaking to the representative they had no idea what I was talking about. I was then told to file a check fraud, when speaking with them. I was informed I had written a check in XXXX of XXXX and XX/XX/XXXX for the same amount. The reason my issue was being denied is because it was filed as a posted twice inquiry. They filled a new claim focusing on the " Posted Item Correction Debit '' on XX/XX/XXXX. Today, XX/XX/XXXX, I received a notices from Bank of America again sayin no adjustment are needed on my account. I have been lied to, played through a phone tree, and ultimately at this point feel someone within Bank of America has committed theft in taking my {$3000.00}. 

My XXXX  XXXX XXXX XXXX, shows the {$3000.00} going into my account on XX/XX/XXXX and being removed from my account on XX/XX/XXXX. After the talk with the Bank of America rep on the XXXX and what I told XXXX XXXX, the funds were returned on XX/XX/XXXX. When the stop payment occurred on XX/XX/XXXX, the funds were removed from my XXXX XXXXXXXX XXXX account on XX/XX/XXXX due to the check canceling.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern XXXX XXXX XXXX the account is showing on my consumer credit report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS, is income and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately. 

My rights as a consumer are protected under Chapter 41 Title 15 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to the company lack of disclosure, my lack of understanding because of your corporations unfair, deceptive, and misleading practices. 

Thank You
Product: Debt collection

I accepted a service from XXXX XXXX a few years ago and upon receiving the service I was unable to access the service, I called repeated complaining about the lack of service and I kept getting a run around from the company so I decided to tell them to disconnect the service. 
After which their customer service rep constantly called me to pay for a service that I didn't get the use of, I refused to pay the {$260.00} so on XX/XX/2017 they sent my account to collection company EASTERN ACCOUNT SYSTEM, I have tried to dispute this many times but they keep reporting to the credit Bureau, this obviously affects my credit, I have been unemployed for almost 2 yrs and this bad report doesnt help my situation. 
Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Santander reported my closed charge off account as open. Prior to that date it was being reported as a charge off closed account w/15 charge offs and is now reporting as open with 15 late payments. I believe this was done as retaliation for me filing a dispute with the CFPB regarding their business practices. This lowers my score because it is perceived as an open account with late payments. It also increases my debt to income ratio because the balance is added to my open current accounts. There has been no payment activity on this account since XX/XX/XXXX so what caused the account to be reported as open or reopened? Also, was this account reported as a closed account/profit loss to the IRS per Santander? Or was it reported as an open active account seeking collection? A XXXX  rep informed me on XX/XX/XXXX that the way Santander reported this account was unusual due to the remarks stating closed, write off, charge off, bad debt but yet the status is open. I spoke with a Santander supervisor named XXXX on XXXX XXXX who stated the status will not be changed he also assured me that this was normal reporting. He even persuaded me to settle as he reinforced the idea that the account status was accurate and was indeed opened.
Product: Mortgage

We are attempting to do a loan modification but the lender keeps telling us we need to submit information and we do and then they tell us we are still missing info. This has been ongoing since XXXX of this year. We hired a consulting firm and they submitted our mod documents but the lender is dual tracking on us for the modification.
Product: Money transfer, virtual currency, or money service

On XX/XX/2025, I got a random email from XXXX and PayPal that my account had been suspended due to suspicious activity and they needed my ID to continue. I submitted my ID verification and they permanently closed my account. I have never used XXXX or PayPal against XXXX and have only used it to transfer money between friends. I even have a debit card with them that was randomly suspended with my account. They refuse to give me further information, ability to appeal their decision, and will not reopen the account.
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 these accounts ( A ). It is not permitted to report these accounts 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 XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX XXXX : {$2000.00}
Product: Credit card

On XXXX XXXX 2016 I was incarcerated ( I will attach documentation from XXXX XXXX Jail ) for a period of 4 months. My children were left in the care of XXXX friends of mine as my parents are deceased. I left them with over five thousand in cash to take care of my children and bills for this period of time. None of my household bills were paid, luckily I had paid my mortgage for a year ahead in payments. During this time they rifled through my room, stole my parents wedding bands, children 's savings bonds and some tools. They also located several credit cards. They proceeded to max all of these cards out and the ones they did not use ( store charge accounts without a master/visa logo ) were closed due to the damage caused to my credit score, which fell from a XXXX to a XXXX. Upon my release I took the appropriate action of filing police reports, disputes and fraud complaints. A few were resolved quickly and in a positive manner, though there was little I could do about the closed charge accounts. However after providing all the reports a few of the cards have given me problems, now 2 months after my release I am taking further action to try and obtain satisfactory results. I 've had enough after spending countless hours on the phone and dealing with collection calls for charges I did not make and that did not go to the care my children! I worked hard to build my credit and have done my best in the last 3 years to make my payments on time. This whole situation has been sickening. 
As a result of the a fore mentioned actions I had several store charge accounts that were closed, even though they had either a zero balance or a small balance. The reason given was inactivity ( due to my incarceration ) and a change in credit score due to the fraud that was committed. These accounts were backed by Synchrony bank. The only account that was resolved through them ( Synchrony ) was my Wal-mart card ( which did have a payment made on it and then the people who committed the fraud asked for a credit line increase ) and the card credit line was restored. However my XXXX XXXX Tj Maxx XXXX XXXX XXXX, Toys R Us XXXX XXXX XXXX were all closed. While incarcerated I had a small remaining balance on my XXXX and had some late charges, I paid this off in full XXXX and they still refused to open my credit line and stated I would have to reapply which would only hurt my credit score more. Since they restored my Walmart card I have used it and made my payments on time as I did before my incarceration.
Product: Debt collection

This account was open XX/XX/2019 This account was reported as unpaid medical {$110.00} I have no contact information I would like to know what services I had to accrue this amount {$110.00}
Product: Money transfer, virtual currency, or money service

I received an email saying I sent money to someone from my credit card account through paypal. I did NOT do that and I don't know the name it was sent to.
Product: Debt collection

On Monday XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I received a call from Alliance One at my job phone number they keep calling me and pranking my job number and my cell phone number I asked them to stop remove my number and if they needed to contact me to send me something in writing I have not received anything and they keep calling me
Product: Checking or savings account

The bank provided a resolution letter that is to the XXXX of the comptroller of the currency which was supposed to be for them and then later this week another response from this bank which confused me about whether response is accuracy. XXXX response to the XXXX, saying, there is no differs between the resolution letter from XX/XX/year> - XX/XX/year>, with case XXXX XXXXXXXX ( see at attachment ) and resolution letter to me, saying, " a business 's decision to end your deposit relationship and close your accounts ending in XXXX ( XXXX XXXX and XXXX ( XXXX XXXX ) '' means ( see at attachment )? Did I do anything wrong to close my bank accounts? I'm not sure I violated any rules/policy. Tell me why I have such good banking relationship with this bank and all of a sudden it got closed down or ending banking relationships with me on XX/XX/year>.
Product: Debt collection

The collection agency was notified, in writing, that the discounted amount they are trying to collect was through my insurance company and XXXX. The services were covered by XXXX at the time of service. 
It has been 3 months and they still are saying I owe this money, even after I sent them a copy of my XXXX showing I do n't owe it. 
They also reported this to all XXXX credit bureaus. 
Every time I call them, they tell me they are still working on it. 
If you are disputing an account, the collection agency should not be allowed to put this on your credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I just checked my report, and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

1. XXXX  Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX  Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 9. XXXX XXXX XXXX Account Number : XXXX 10. XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

For several months I have been writing to NCB and XXXX about an account reporting to my credit report with them. I disputed the accounts with the three major bureau 's but the information came back as certified by the furnisher however when I have requested information in regards to these accounts I am not receiving all of the documents requested. In the state of Florida a company who repossess a car should provide a notice to the borrower 10 days prior to the sales date and must notify the borrower of the time and location of where the vehicle will be sold. Today, XX/XX/2021 I called XXXX XXXX and spoke to a customer service rep XXXX I advised her that I never received notice of the sale or a breakdown of the deficiency balance. She advised that she could not send me that information due to " time sensitivity '' I advised that as a consumer I feel as though I have the right to access information regarding the accuracy of information reporting to my credit report. I then called NCB and spoke to XXXX XXXX who advised me that she would be willing to arrange a pay for delete for {$1500.00} if I did not request to validate the debt. I told her I appreciate the offer however I have a right to receive this information. XXXX XXXX then advised that the validating information was sent to my home XX/XX/2021 per a letter received XX/XX/2021 when the last time I sent them mail was XX/XX/2021 and as of today XX/XX/2021 the information has not arrived to my home. I called back and notified XXXX that I had not mailed anything to their offices in late XXXX or early XXXX and her response on the recorded line is due to Covid we are possibly backed up. I am curious to know how the bureau were told this information was certified by XXXX XXXX or NCB Management Service so quickly with the bureau 's
Product: Mortgage

I am tired of the run around from Mr. Cooper in trying to come out of forbearance ( via the CARES Act ) which has been ongoing now for the last 8-9 months. Where to begin? I was told up front I'd be able to enter a deferral plan upon exiting forbearance only to be told other-wise. I then subsequently wasted MONTHS on 2 loan modification requests which were both denied.

Now there has been mis-representation on who actually owns my Note which has led me to believe there are greater mechanisms occurring in an attempt to foreclose on my home. Per the attachment, after asking several times, Mr. Cooper informed me that Federal Home Loan Mortgage XXXX XXXX XXXX ) holds my mortgage Note. However, I spoke to XXXX XXXX on XX/XX/XXXX and they told me that they DO NOT OWN MY MORTGAGE NOTE AND HAVENT SINCE XX/XX/XXXX. You can call XXXX ; ( then select Option # 1 ) to verify this information.

This therefore begs the question : Why would Mr. Cooper send me a letter fraudulently stating otherwise? ( again, defer to attached ) MR. COOPER NEEDS TO ADVISE ME WHO OWNS MY LOAN NOTE IMMEDIATELY ALONG WITH THEIR CONTACT INFORMATION OR I WILL HAVE NO CHOICE BUT TO PURUSE LEGAL ACTION ON THIS MATTER DUE TO THE FOLLOWING REASONS : 1 ) Mis-representing the owner of my Note ( for YEARS ) as being XXXX XXXX XXXX 
2 ) Not allowing me a deferral option post-forbearance after being told otherwise up front. All Im repeatedly told is Deferral is not allowed. '' SAYS WHO???? I would like to hear it directly from this mysterious owner and/or investor of my Note.

3 ) Not allowing me to take a loan modification either : I was asked UP FRONT if Id accept a higher payment for the 2nd loan modification request. After saying Yes and then waiting for 5-6 months, I was told my loan modification request was denied because the payment couldnt be LOWERED. Really?? Why ask me then if Im ok with a higher payment up front if it was already known raising the payment wasnt even an option for a loan modification? I was never advised by any of the many representatives I spoke to for either of my loan modification requests, that approval was based on the presumption of a lower monthly payment. 
4 ) The imposter investor named XXXX? Last time I called, I was told by the representative XXXX was the investor holding my Note whom allegedly does not allow deferral options. Interestingly, I can not find any company by that name. 

I AM TIRED OF THE LIES, MIS-INFORMATION AND RUN AROUND. I AM READY AND ABLE TO RESUME MY MORTGAGE PAYMENTS BUT MR. COOPER HAS MADE IT IMPOSSIBLE IN MY MANY ATTEMPTS TO DO SO AFTER MIS-LEADING ME UP FRONT. 

I feel that at this point, due to all of the mis-information, confusion and their unwillingness to offer any asisstance except to tell me verbatim " Sell your house '' or " Get a 2nd job '' that I have no recourse but to pursue legal remediation. I am beyond exasparated at this point as to how things have gone thus far and hence, the reason I am filing this complaint.
Product: Mortgage

US Bank Collection department calls me at work and at home before the grace period is over. I have a 15 day grace period and I usually pay on the XXXX. Sometimes they call me even after I paid. I have never been late in my mortgage payment. My mortgage is new. However, I had an equity line of credit with them starting in 2007 that I paid without ever being late. This has never happened to me before on my prior mortgages with other banks. No other bank would use their collection department to reach a customer when the grace period is not over yet. When I contacted them and asked them to stop this they sent me a convoluted letter which did not answer my question and they kept calling after that. I want them to stop harassing their customers when they are not late and honor the grace period. What kind of a bank wants this type of relationship with its customers? I have an excellent credit rating and have absolutely NO late payment record.