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

Inviolation of the Fair Credit Reporting Act, Bank of America refuses to removed a delinquency int he 3 credit reporting agencies. This was fraud during an account takeover. In spite of the fact I reported the fraud when it occurred on XX/XX/XXXX ( 4 credit cards were involved and the credit card fraud dept had no clue about 3 of them until I reported them. ) They were aware ( see screen shot around XX/XX/XXXX as well as previous response from their regulatory complaints dept dept acknowledging these frauds were reported on XX/XX/XXXX. Email is attached proving this was reported. 3 of the credit card fraud cases were settled but the person handling the card now ending in XXXX did absolutely nothing until XX/XX/XXXX - total ineptitude and no fiduciary responsilbility as well as blatant violation of the Fair Credit Reporting Act. To make matters worse, during the account takeover, the thief fraudulently obtained cash advances, transferred the stolen funds into his Bank of America checking account ( I know this because of the attached police investigation report. ) Instead of going after the thief, knowing his name, address, BOA checking account number and computer IP address, that person insisted on holding me responsible. There was also a violation of the Electronic Funds Transfer Act when the bank should have realized this was a fraud- I did receive a call after the fact ) It wasn't until XX/XX/XXXX when I was finally told to file a claim with the checking account fraud dept. I filed the claim on XXXX XXXX, XXXX. It took checking account fraud until XX/XX/XXXX to realize the violation of EFT and they sent me a letter and the funds for the entire fraud amount ( see attached ). I refused to pay the XXXX account balance which with interest and late fees was {$1900.00} since it was a fraudulent cash advance which I reported. Not my fault there was ineptitude in it not being worked until XXXX XXXX, XXXX. The credit card fraud dept was recalcitrant and refuses to close the case. With the funds from the checking account fraud, I paid the fraudulent card off. ( First,, I paid {$230.00} to bring it up to date. I had just hired an attorney and would have sued BOA.How can Bank of America get away with ignoring bank regulations? Last week I sent an email to XXXX XXXX XXXX and XXXX had called me. She was able to have the additional finance charges refunded to me since it was fraud and the total settlement did not cover the subsequent finance charges. She told me she requested the delinquency be removed but couldn't promise. Obviously, in spite of XXXX requesting the delinquency b removed since the bank was in violation of the Fair Credit Reporting Act, they are adamantly refusing.
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX late payments were being reported to the credit bureaus as well as I was charged late fees for on time payments. I spoke to reps and this was updated and corrected at this time. Now again in XXXX I am being charge incorrect fees for on time payments made. I have called several times to make complaints and reps refused to allow me to speak to the dispute department. Each rep stated there was no department or I was provided with an inaccurate number. I requested escalation multiple times and was denied. When asked for their badge number or XXXX I was denied by the reps. I made complaints to several reps regarding my credit report being inaccurate and nothing was fixed. The next rep would say no notation was documented regarding my complaints. I made several complaints about inaccurate billing and credit reporting letting them know this has been damaging to my credit and nothing was done about it. At XXXX point I was scared into paying almost {$3000.00} and being harassed but my car was never under repossession nor was it behind. This past XXXX my car was deemed a total loss because of vandalism. I was never notified by XXXX. XXXX is reported different amounts on the portal and my credit. I requested a copy of a report from XXXX insurance which shows a lesser amount owed. My car was current and not behind when I noticed a charge off. Per the Texas consumer law a charge off cant be place on an account unless its XXXX  months or more behind and my car payment was current. My billing statements have never been able to be viewed on the portal after several requests and complaints. I requested email only correspondence from XXXX and never received emails regarding my account. I believe XXXX to be deceptive based of inconsistent date and my dealership telling my at the time of the total loss that my final payment was XX/XX/XXXX.
Product: Debt collection

In XXXX XXXX, I moved out of the apartment I was sharing with XXXX others and, among other things, ended my XXXX service at that address. XXXX picked up the equipment and the final bill that I knew of was paid. I have had XXXX services at multiple addresses in multiple cities since then. When I moved to XXXX XXXX, I was told I could not get an account because I had never returned my equipment from that first account. When I disputed that with the representative, he said he would look into it, and shortly thereafter I was offered a contract to get service, and I opened a new XXXX account in XXXX of XXXX. I have had XXXX service continually since then, have paid my bills on time, and have never had any issues mentioned to me by the company. On XXXX XXXX, XXXX, I received an alert that there was a new open collections account on my credit report. I went to check and found, after much investigation on my own part, that Southwest Credit Systems had placed a derogatory mark on my credit score for a {$65.00} debt to XXXX which XXXX was alleging I owed from XXXX. I have had the same name, phone number, and social security number affiliated with all of my accounts with XXXX, so they have no excuse for this absurd behavior. They have never once contacted me, sent me a letter, billed me, or otherwise attempted to hold me responsible for this amount. Southwest Credit Systems never sent me a letter regarding my debt before placing this on my credit report, and has made no contact with me whatsoever at this point, rapidly approaching their 30 day deadline. I am sending them a demand letter for verification and other information pursuant to the relevant federal laws. I do not believe I owe XXXX this money, and dispute the validity of any debts to XXXX and any collection agency regarding this amount.
Product: Mortgage

I spoke to Rushmore several times since my mortgage was bought by them. Each month I called in to get my mortgage on auto pay and was told it was set up. Each month I learned the mortgage was debited late and after I called in for a manual draw. There were a couple months that I paid double payments since the prior month was not debited and each month the agent told me not to worry about the error since they were not reporting to the credit bureaus due to covid. I have a more than 12 year history of on time payments before they bought my loan and now that they have it, they have yet to resolve the autopay issue. I have given them my account information each month for billing and they still have not resolved the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX I was Never late in the year XXXX or XX/XX/XXXX. This account has always been deferred/suspended. This is an error. XXXX also told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 120 days late. Same in XXXX. The credit bureaus keep changing late days without any notice from XXXX informing them to do so. If XXXX wont send you any information then you must correct it. 


Besides. this is a violation and illegal to be reporting late payment transactions on my consumer report. 
15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never supersedes Federal Law. Also 15 U.S.C 6802 B - I was never given this option to opt out! Please remove all late payment transactions.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I attached the documents and emails with dates I purchased an order and did not receive it and it was resent but there was an exchange needed and they did not credit it and the merchandise has not been exchanged and the original merchandise is with the vendor XXXX. I have tried to call but they disconnect and no one seems to know what is going on and I have received no help I sent a letter to the XXXX  and still no response at this point I want my money back
Product: Bank account or service

My current bank BB and T. Is changing the order of processing transactions and automatically applying overdraft fees to accounts for pending purchases and not processed ones and will not refund the fees if the pending purchases do not go through or are cancelled. They have also placed holds on cash deposits that I have made through the atm without an envelope, and which should have posted directly to the account. I paid a bill at the bank with a check on XX/XX/XXXX and had over {$1000.00} in my account and was still given a fee for the check because a purchase was made with debit card the next day after business hours that they took out first and not the processed check. I do not like how they are reordering transactions for so that they are able to assess fees.
Product: Credit reporting or other personal consumer reports

Greetings, On or around XXXX XXXX reported a newly *CLOSED** Account with XXXX XXXX XXXX ( XXXX XXXX XXXX that was open in XXXXClosed/Paid in Full-No Late Payments on or around XXXX This account was Closed/Removed from all ( XXXX ) Credit Reports XX/XX/XXXX XXXX Have tried to dispute with XXXX XXXX ( XXXX ) only to have removed from " Closed '' account XXXX is no longer in business and now only a digital account banking out of town.. 

Reporting on XX/XX/XXXX declined my credit score with XXXX by XXXX points.. 

Also, XXXX refuse to update my Age of History oldest 16yrs/Newest 5yrs It is in my opinion that XXXX has deceptive reporting practices with an underline discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX for Equifax, the XXXX for XXXX and the XXXX for XXXX by way of certified mail, these companies received letters regarding inaccurate and unknown items on my credit report. Embarking on 90 days later I have not received one word about the errors on my credit reports from either of the 3 credit reporting agencies. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 90 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me while I'm attempting to deal with my finances during COVID. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 60 days to receive a no respons because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 73 days soon so they should be deleted promptly.
Product: Debt collection

they have a duplication on my account of {$1800.00} and {$1400.00} for the same bill and are ruining my credit with 2 separate collections over the same bill plus violation of communication laws. I want both accounts removed off of my credit as it is affecting my ability to have good credit.
Product: Credit reporting

I disputed an item on my Experian credit report, reported by XXXX XXXX which has been sued by NC Attorney General the CFPB, FTC and several States for trying to collect money on loans that consumers did not owe. Even after i supplied Experian with all the supporting documents they refused to delete this item. They sent me a letter stating that they would not investigate this item any more. What else do they need.
Product: Debt collection

XXXX XXXX XXXX a debt collector, filed a lawsuit against me in behalf of Wachovia, who was later bought by Wells Fargo. I was never formally served any intention to take this matter to court, therefore I was not provided an opportunity to defend myself in court and they were awarded a judgement by default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. 
My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more tha n 10 times  explaining the info is inaccurate. Equifax constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.
Product: Debt collection

Company repeatedly is calling me and whole family back to back on a daily everyday basis, they are extremely rude and aggressive. Still owe XXXX
Product: Credit reporting or other personal consumer reports

Dates- XXXX Amount : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Dispute of Information Disclosure to XXXX XXXX  and Request for Loan Discharge Due to FERPA Violation Dear Department of Education , I am writing to formally dispute the unauthorized disclosure of my student loan information to XXXX XXXX  and/or his associated companies. I understand that my student loan data, including personally identifiable information, is protected under the Family Educational Rights and Privacy Act ( FERPA ). I have not provided consent for this information to be shared with XXXX XXXX or his entities, and I am deeply concerned about the potential misuse of my private data. 
I believe this unauthorized disclosure constitutes a clear violation of my rights under FERPA. The sensitive nature of the information contained within the student loan database, including but not limited to my Social Security number, financial records, and other personal details, necessitates the highest level of privacy protection. The apparent lack of a legitimate educational purpose for XXXX XXXX access to this data further underscores the severity of this breach. 
Given this serious violation of FERPA and the potential risks it poses to my privacy and financial security, I respectfully request the following actions : * Immediate Investigation : I request a thorough and transparent investigation into the circumstances surrounding the disclosure of my student loan information to XXXX XXXX and his associated companies. This investigation should include a full accounting of who authorized the release of this data, the legal basis cited for the disclosure, and the specific purposes for which the data is being used. 
* Cessation of Data Sharing : I demand that the Department of Education immediately cease any further sharing of my student loan information with XXXX XXXX or any other unauthorized third party. 
* Loan Discharge : Due to the significant breach of my privacy rights and the Departments failure to adequately protect my sensitive information, I request a full discharge of my student loan obligations. I believe that the violation of FERPA has fundamentally compromised the trust between myself and the Department regarding the management of my student loans, and that a loan discharge is the appropriate remedy for this breach. 
* Notification of Findings : I request to be notified in writing of the findings of your investigation and the actions taken in response to my complaint. 
I expect a prompt and comprehensive response to this matter. I am available to provide any further information or documentation that may be necessary to support my claim. 
Sincerely, XXXX XXXX
Product: Mortgage

My mortgage loan is currently serviced by Ocwen Loan Servicing. Ocwen currently has the outstanding balance listed at {$1000000.00} ~ see attached. They also have the interest rate set at 10.7 %. Since my mortgage loan payments and overall balance have adjusted upward sharply, I have requested a detailed accounting ledger and proof of the current serious interest rate increase. Ocwen has ignored my requests. Ocwen has recently sent a trial loan modification offer to me ~ see attached. They have stated the current payment will be figured off a {$580000.00} figure, but they have not advised where if the rest of the balance will be written off, forgiven or deferred via balloon payment. There is also no amortization schedule or interest rate listed. The loan modification offer lacks clarity, which is a requirement per the National Mortgage Settlement of XX/XX/XXXX. I have a pending foreclosure hearing on XX/XX/XXXX and Ocwen is stalling on responding my critical questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to these companies numerous times about the inaccuracies on my report about an XXXX  credit card ACCOUNT # XXXXThey have continued to report my credit report as accurate when it is in fact inaccurate.They have yet to delete this false information. I would just like for this account to be deleted I didnt give permission to have these accounts furnished to my report. Below is inaccuracies circled that are reported from each credit bureau XXXX Experian and XXXX
Product: Checking or savings account

On or shortly after XX/XX/XXXX my husband and I were subject to a 'check washing ' scam where a check was cashed against our account by a criminal. The check was an 'estimated payment ' made out to the United States Treasury but instead the 'pay to the order ' was changed to " XXXX XXXX XXXX XXXX We reported the fraud the moment we found out on XX/XX/XXXX. The amount stolen was {$3300.00}. 

Our request to XXXX was to simply investigate where and when the check was fraudulently cashed so our money could be returned. Instead, we received the most ridiculous run-around in the history of mankind. We were repeatedly and blatantly lied to by the bank, seemingly all in the effort to obfuscate any accountability on the bank 's part. After XXXX months of hand offs and disingenuous concern we were finally met with a bogus reference to the amount of time that had passed and XXXX refused to take further action. 

Parties involved were banker XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted upstart numerous times as well as opened several disputes with every credit bureau regarding the inaccurate information regarding my payment history in XXXX of 2021 and XXXX of 2021. I have email statements verifying that I was never 30 days late in these months and yet none of my credit reports are being updated accurately reflecting my payment status with this account.