23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I provide more supporting documents for the following case that I have previously submitted : XXXX. It is the error of Bank of America ( BoA ) which caused the mistaken transactions for my tax refunds. 
When I filed the 2015 Federal and California Tax return direct deposit, I omitted the last XXXX digits of my BoA account number. BoA account number has XXXX digits. I only wrote first XXXX digits for the account number, which should be an invalid account. BoA should have therefore returned my tax refunds to IRS and California Franchise Tax Board due to the invalid account number. Please refer to the supporting documents for the details. 
When I went to the BoA branch ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) on XXXX XXXX, the bank clerk ( XXXX XXXX ) verified that both of my 2015 tax refunds from Federal and California are in a different account. That account number has XXXX digits : the first XXXX digits are XXXX ' and the rest XXXX digits are the same as what I have written in the forms. I never authorized anyone to add the XXXX digits of XXXX ahead of my bank account to receive my Tax refund. It is the BoA 's error to add the additional XXXX XXXX to form a complete account number. And to make things worse, BoA refuses to correct the bank error even though I have informed the bank about these error immediately. 
I demand the bank to return my tax refunds ( both from IRS and California Franchise Tax Board ) in full amount.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

I applied for a refinance of my Mortgage on my home and the Bank ( California Bank and Trust ) and the underwriter constantly are delaying the process.. I provided them with all the paperwork necessary when requested on time and they agreed on the rate and locked it in but they still continue to delay my process and say that my paperwork has expired because they were holding it for so long..I already had my home appraised by their appraiser and I feel like they are prejudice against me because I am of XXXX decent.
Product: Credit reporting or other personal consumer reports

I have filed dispute regarding an account that reflects as late during a forbearance period. Experian does not have a way to upload the documents for proof on their website when submitting the dispute but they refuse to investigate it properly.
Product: Credit reporting

I disputed XXXX tradelines in my credit file & report that does not belong ( XXXX XXXX XXXX, XXXX ). The company reporting the tradelines had no right to be reporting any information on me to any CRA. As a XXXX issue, the information is also inaccurate and incomplete. I disputed this information with Equifax, XXXX and XXXX. XXXX has recently deleted the XXXX tradelines. Only Equifax & XXXX are still reporting. To date, I disputed the tradelines XXXX separate times directly with each CRA. I also disputed the alleged accounts with the furnisher directly on at least XXXX separate occasions. At no time did the CRAs forward to me any documentation supporting how they veirifed the information & tradelines. I want the items deleted asap because at no time was the company a creditor of mine nor were they working on behalf of a creditor of mine and Equifax & XXXX did not & could not conduct a reasonable investigation under the statute without the proper authenticated documents. Also, how could this information be deleted in my XXXX credit file but be verified in my Equifax & XXXX credit files & reports.
Product: Mortgage

In XX/XX/XXXX we signed a HFA refinance that contained a 60 month " Monthly Insurance Premium ''. The original mortage holder was XXXX XXXX XXXX XXXX That loan was subsequently sold to XXXX XXXX XXXX XXXX and then to Rushmore Loan Management on XX/XX/XXXX. 
I have contacted Rushmore on several occasions, plus sent them copies of our mortage that definitely shows that the " MIP '' was for 60 months only. Our paperwork indicates that as of XX/XX/XXXX we no longer have to pay a monthly " MIP '' premium. 
Rushmore will not honor this paperwork and continues to assess us a monthly " MIP '' premium. They state that our loan principal is not at 78 % " LTV, base upon the XX/XX/XXXX property appraisal that was performed after our renovation work had been completed, therefore our monthly insurance premium can not be removed. 
I keep explaining to Rushmore that our paperwork was processed prior to the XX/XX/XXXX " MIP '' changes and that our " MIP '' is only for 60 months, but they will not tell me why they refuse to honor the documentation that I submitted to prove this statement. 
Rushmore further states that since our mortage is FHA, we can not even request a property re-appraisal. 
At this point, they now tell me that they can no longer help me, nor do they send out the documentation that they say they will send. All contact with Rushmore representatives has been not only confusing, time consuming, but extremely frustrating as well. 
Please review my documentation and advise if I am correct in my assumption that we should no longer owe a " Monthly Insurance Premium ''.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My account transfered from XXXX to Citizens bank account with XXXX as it was being used to receive credit card rewards. Upon transferring to citizens I learned that the interest rate was essentially nothing when every other bank is doing better than them. I have tried on multiple times to contact them with it's either long holds and you can not reach anyone or call another number. I have learned that they want to start charging me a XXXX fee for not having XXXX $ in the account or direct deposits going there.
Product: Bank account or service

Years ago, I used to have an account with U.S. Bank. My account got closed out due to overdrafts. Since that account got closed out and at that time, I was moving out from my childhood home, I never received any information that my account was overdrawn. In the beginning of the year, XXXX, I was a college student. I received a letter in the mail, from a collection agency saying that because of those charges and some other fees, I owed U.S. Bank a lot. I honestly was n't aware that it was a huge amount to be owed. Because of that letter, with help from my dad, we paid off the amount and the next day, I had received a paid in full letter with {$0.00} balance from the collection agency. 
It has been about 4.5 years later, I have been harassed by many collectors & even getting supposed calls from my XXXX XXXX. As soon as they say, " U.S. Bank, '' I always tell that the account has been paid off and I always fax the original paperwork. 
Last year, I was contacted by another collection agency ( around XXXX XXXX ) and was told that the XXXX collection that I paid off was no longer active due to fraudulent activity and they never reported the account paid in full. Of course, I was frustrated and inquired about what to do. They said that because of that, my account was still open and in order for it to be closed, I would need to pay. So again, I paid and I also received a paid in full letter with {$0.00} balance. 
Because of so many calls of collectors, I had to change my phone number. No more calls for about 14 months. Yesterday, I got another call from some supposed attorney 's office located in XXXX saying that my account was still open. Of course, I become more frustrated. Now today, I decided to check them out before I contact them for the next step and I found out that they simply lied, they are another Collection agency posing as a local attorney. 
I have contacted a local attorney, legit of course. He recommended me that all of these are just collection agencies trying to steal my money. I am very frustrated, irritable and very annoyed customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the XXXX XXXX and Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law by failing to maintain the accuracy of my personal information. 

I have made several attempts at correcting this matter. They have ignored my request to investigate.
Product: Credit reporting or other personal consumer reports

XXXX I am filing a compiaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX # XXXX XXXX XXXX # B XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX IQUIRE NOT MINE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXVARIETY STORES XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to inform you that I am a victim of identity theft. I mailed TransUnion a notarized letter on XX/XX/XXXX, that was received on XX/XX/XXXX at XXXX via certified mail XXXX XXXXXXXX ( See evidence ), with all of the required documentation. By XX/XX/XXXX, the accounts that I listed as being the result of identity theft were still on my consumer report, and still indeed remain on my report. 

Reference : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following accounts are a result of Identity theft and was not initiated by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( See evidence ) TransUnion did not block and delete this information within XXXX business days. 

Impact and Damages : As a result of this violation, I have suffered various harms, including the denial of new credit and increases in lines of credit. The invasion of my privacy has caused reputational, emotional, physical, and economic harms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 XXXXXX/XX/XXXX
Product: Bank account or service

I have an Health Savings Account which I learned was managed by UMB Bank. 

In XXXX, I wanted to use the remaining balance in my HSA fund. 
I pulled up my HSA account website to verify the amount, which was {$18.00}. 
I used that exact amount for a medical bill. 
Afterwards, I received an overdraft bill from UMB Bank stating that my balance was below {$18.00} and applied a {$25.00} NSF fee. 
I called to inquire why my balance was below {$18.00} and why it was different from what the HSA account website displayed. 
UMB Bank told me that there was a monthly service fee that they incurred, which I was unaware of. I do not recall receiving any document regarding this " monthly service fee. " This monthly service fee is what reduced my balance below {$18.00}, thus generating the overdraft scenario. 
At that time, my balance from UMB was negative {$33.00} and still incurring monthly service fees until I close the account. 
This started around mid XXXX and now my balance is - {$36.00} due to add'l monthly service fees until I close the account. 

As a consumer, I feel like this is terribly unreasonable as the information I had always used to verify my balance was inaccurate and I was not aware of the monthly service charge which caused the overdraft scenario. 
UMB Bank has been unhelpful and dismissive when I try to contact them to fairly resolve this issue. They 've just demanded payment or else they will keep incurring the monthly service charge. 

XXXX
Product: Mortgage

I did not want to sign up for the billpayer program ( auto transfers payments from checking ). The banker said that was fine. Billpayer transferred from my account anyway. I called customer service and asked them to provide me proof I authorized that. They said the form was archived since it was done 3 months ago and they could not prove it. They transferred money from my checking without authorization OR someone forged my signature.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurate information. I have a late payment on my account that was in fact, paid on time. XXXX is reporting the payment made on XX/XX/year> as 60 days late. XXXX and Transunion are reporting the same exact account as 30 days late on XX/XX/year>. The consumer reporting agencies have an obligation to report all information with complete accuracy. This account has not been late on payments. Ive attached copies of my credit report to this complaint on XX/XX/year>. I am requesting that you investigate this account and update this payment to paid on time. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS GLBLNDSVCS Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/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 or other personal consumer reports

Last week I received an email from.my bank, XXXX XXXX, that my XXXX XXXX had dropped XXXX points suddenly. After going into my bank app, I looked at my credit reporting section, and there was an account through Bank of America with me as an authorized user. This account was opened in XX/XX/XXXX and has a limit of {$24000.00}, and a balance of {$79.00} according to this report. I immediately called XXXX XXXX XXXX department to confirm using my name, address, social security number etc, we were able to verify the accounts existence, but because my phone number wasn't matching the account, I wasn't able to find out any more details due to the account being locked. The person on the phone from XXXX  advised me to go into a branch after XXXX hours to resolve the issue. I went into a branch today and the XXXX was unable to find the account. 

I'm worried something serious is happening here because I had an unemployment debit card during the beginning of the pandemic in XXXX. I was receiving unemployment benefits via Bank of America until I was no longer eligible for benefits. I'm concerned that someone got my information and used it to open an illegal account due to commission practices and pressure from managers, much like how XXXX XXXX did in XXXX that landed them in that giant lawsuit. Either way, my inormation was used without my knowledge or consent and no one is offering me any help. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to do very basic credit freeze management on Experian. This is easy to do on XXXX and XXXX, but Experian makes it very difficult and forces you to jump through several marketing hoops before providing the necessary controls. This blog post describes it reasonably well : https : XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX  me and my husband did a COVID surrender of our XXXX XXXX XXXX XXXX. It was financed with XXXX XXXX XXXX. This was due to a loss of income. XXXX sold the vehicle and turned the account over to collections with XXXX XXXX XXXX XXXX We settled this collection on XXXX XXXX, XXXX. I sent a letter to the credit reporting agency with this information. I requested that the XXXX account reporting get up dated from charged-off to settled in the comments. They refused. I have been trying to have this corrected for two years, This is unacceptable. XXXX XXXX XXXX XXXX was removed but XXXX was not updated.