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

I recently gotten a copy of my credit report through XXXX XXXX and I have notice there are some collection accounts listed on my credit report that doesn't belong to me. I never applied for any of these accounts. These fraud collection accounts are hindering be from gettin approved for things. I never applied for these loans and fall back on the payment. These accounts don't belong to me and I ask they are remove from my credit report asap. 
ACCOUNT DATE OPENED BALANCE XXXX XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$6900.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiry -XXXX XXXX
Product: Debt collection

I had my son XX/XX/XXXX at the XXXX 's Hospital of XXXX. During this time I was living at XXXX XXXX XXXX XXXX XXXX, TX XXXX. However, my mailing address is my Mother 's XXXX XXXX XXXX XXXX, TX XXXX. I never received the hospital bill, and did not know what the insurance didn't pay until my credit was affected. Once I realized I had a balance at the hospital I paid it off in full to the hospital. The debt collection company XXXX was the debt collection agency in which was responsible for sending a notice of payment to the credit bureaus, in which I had been promised would be a paid and deletion letter. Where I am at fault is I never wrote down the name of the woman that gave me this promise.The account was updated to being paid on my credit report, however it was not deleted of my report as promised. I have been in contact with the company XXXX about this issue and I am not receiving a solution. Now the company is telling me " deleting accounts is against their company policy '' which conflict with the original promise of deletion. I spoke with a representative today that stated " We only delete accounts when it is our fault, and it is not our fault you didn't pay your bill. '' As rude and unnecessary as that comment was it holds some insight on the fact that the company does do deletions. I then spoke with a supervisor to try to get a better handle on the situation. I told supervisor XXXX that I was told the collection would be taken off of my credit and regardless of company policy, if people are being told that accounts are going to be taken off of their credit report and then it be false information that's negligence on the company 's part. XXXX then told me " We have offices all over the United States, and different departments " and therefore insinuating that because I do not know the name of the person I spoke to I do not have proof. I feel that this company needs to be investigated because if I received deceptive information to get me to pay a debt then I am sure there are others. I feel wronged that I paid almost XXXX dollars to get this account off my credit report and it is still on there. I am trying to buy a house for my family and this is preventing me from doing so. I went from having a XXXX to a XXXX credit score. It is the ONLY thing preventing me from purchasing a house. I feel so helpless in this situation and I am hoping something can be done not only for me, but others that have been lied to by this awful company. I am not only a single mother but an elementary school teacher in the city of XXXX, and I can't afford to have hire an attorney to help me.
Product: Debt collection

Don't do as XXXX XXXX XXXX, rushing to sue without trying to settle the debt via out-of-court communication. I need more time and making progress to solve my financial problems. 

It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders.
Product: Credit reporting or other personal consumer reports

Lexis Nexis ( via XXXX XXXX 's incorrect information ) is reporting that I had a claim in 2020. This claim is preventing me from getting insurance on my home. It was never a claim, but in fact an inquiry. It never progressed to a claim and nothing was ever paid out.
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 privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX - Account number : XXXX XXXX FORMERLY XXXX - Account number : XXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C. 1681 section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency make 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 7 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
Product: Credit reporting or other personal consumer reports

i have been in XXXX XXXX for over 7 years during my time in XXXX XXXX someone has used my personal information to obtain goods and services using my personal information to obtain goods and services while i was in federal prison, that being said i had expressed these concerns to the creditor and to all three credit reporting companies and they are refusing to remove the fraudulent accounts off my credit report due to identity theft, enclosed i have send over a notorized fraud affidavit ( ftc ), police report, ftc report, copy of my driver license, copy of my social security card, and two utility bills in my name showing that i my wife and children have been residing in this home for over 15 years, there are many fraudlant inquires and many fraudlant address, phone numbers, email address, etc etc. that do not belong to me but are attached to the fraudlant accounts that have been opened in my name fraudulently while being locked up in XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was in the process of buying a home in Florida. I live in NY. On XX/XX/XXXX the day of the closing I received wire instructions from the real estate agent to wire the funds. I went to Bank of America to get the wire done. XXXX hours later, we were told the real estate agent never sent us any wiring instructions and that his email was possibly hacked. I went right away to Bank of America to stop the wire. I was told we need to file a fraud case which I did the same day at the branch. The assistant manager at bank of America told me she reached out to the receiving bank and was able to put a block on funds. The next day the funds were gone from my account. Everyday when I call for a status on my case, bank of america tells me that they are working on it and they are waiting on a response from the receiving bank. After about 45 days they closed my case and said they are unable to recover the funds without any specific information as to why. I have been a customer with BOA since XXXX. 

I tried to file a police report but unable to because the XXXX needs an affidavit of Fraud form from bank of america and they refuse to give it to me or explain exactly why they are unable to recover funds. 

Date of wire - XX/XX/XXXX Amount wire - {$180000.00} Wired to : XXXX XXXX  in Florida
Product: Credit reporting or other personal consumer reports

ere are hard inquiries on my report from all 3 credit reporting agencies, which is adverse information, in which i never gave XXXX written consent to any agency to share, use, transfer sell or buy, i have created a report of this on ftc.gov, i want ALL HARD INQUIRIES removed immediately, because it has created negative impact on this consumer, and i have been denied credit in my pursuit of happiness, and they are expressing to me that they can remain there, when i never gave XXXX written consent to any of them in the first place, this information is damaging and i recieve no benefit from this unauthorized use 15 usc 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Product: Debt collection

Aargon Collection Agency - XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX - XXXX Aargon Collection Inc. Has repeatedly contacted me before XXXX and after XXXX. I have attached the most recent calls for proof/review by CFPB.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2017, XXXX XXXX, XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I have been identified as a victim of Trafficking that has resulted in Debt Bondage and effects my consumer report. As a Survivor of XXXX XXXX or XXXX trafficking, you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.
Product: Debt collection

Portfolio Recovery notified me that they were collecting on an account with XXXXl XXXX. I asked them for validation of the debt XXXX times and so far they have only sent me a bill. The are also in violation for report a charged-off account as past-due. Under the FDCPA only the original creditor can report an account as XXXX or 120 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my XXXX In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts listed have violated my rights : - XXXX XXXX  Account # : XXXX -US DEPT ED Account # : XXXX -US DEPT ED Account # : XXXX -DEPTEDXXXX  Account # : XXXX - XXXX XXXX  Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 XXXX XXXX XXXX of XXXX MI, my brother, attempted to make a money transfer from his XXXX XXXX ( XXXX, Il ) bank account to the checking account of XXXX XXXX XXXX of XXXX MA ( family friend ). XXXX 's bank is XXXX  XXXX XXXX ( XXXX MA branch ). The amount to be transferred was {$6600.00}. The funds were the last installment of a XXXX administered by XXXX for my use. The money never arrived. 

XXXX has pursued the matter with XXXX XXXX, who said they can not be held acccountable, and I have contacted XXXX 's bank who said that as the receiving institution there is nothing that can be done from their side. Each bank claims that an investigation needs to be made from the other bank. 

These funds are critically needed by myself and my wife ; both of us are XXXX and without other income apart from Social Security. I have all the relevant account and routing numbers if you need them later on. Many thanks, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report and attempting to dispute the inaccuracies with the accounts in question, they have not provided any solution and I know that in accordance with the Fair Credit Reporting act, these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX : Account # XXXX XXXX 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.

Not only have these laws and rights violated but also reporting different " Last Reported '' dates on the different credit reporting agencies which is another violation.

Please see the copy of the report displaying the different dates its reporting.
Product: Mortgage

Yes my interest rate is 13.5 % yes I do not have great credit but during the covid they did not work with me at all zero that just kept threatening to take my house they wouldn't give me a forbearance they wouldn't do anything and during my divorce 17 years ago I did get the extended payments so they set up got all those so I couldn't get that there's nothing that they would do to help me during covet I have XXXX and I take XXXX and I'm still making my payments when my social security check I get behind and they harass me to know in the company is Vanderbilt mortgage they are awful the worst company and I've talked to other people that's actually not even behind like I am and they're like 15 days late and they start harassing them they would not help me at all nothing zero ok
Product: Mortgage

I have a mortgage with XXXX. On XXXX/XXXX/2015 I requested a pay-off quote for the following day along with wire instructions. I attempted to make the pay-off request over the phone but was informed that it needs to be made by email. The XXXX customer service representative agreed to email me wire instructions ( which arrived the following day, XXXX/XXXX/15 ). Still on XXXX/XXXX/15 I then proceeded to email the pay-off request to the pertinent email address with a pay-off request ( good through ) date of XXXX. 
It is now Friday, XXXX/XXXX/15, XXXX XXXX and I still have not received any pay off information from XXXX. To avoid accruing interest charges ( esp. over the weekend ) I wired pay off funds to XXXX at around XXXX XXXX today. I used the amount of {$81000.00} that was provided via their automated phone system ( XXXX requires wires to be received no later than XXXX XXXX to be considered on-time for that day ; they also caution that the phone system quote may not be used for the actual pay-off ). 
I have had liquid funds waiting for this pay-off since XXXX/XXXX/15. During this excessive waiting period those funds do not earn any interest for me while I am still paying interest charges on my mortgage. I paid off mortgages before ( most recently with XXXX Bank ) and it is usually a same day process from receiving the pay off amount to wiring funds.
Product: Debt collection

Thanks, On Friday XXXX/XXXX/2016, I left my job and went to my bank XXXX XXXX XXXX XXXX XXXX and attempted to get {$20.00} for gas. I noticed that it said XXXX dollars, so I went in and talked with a teller. They could not tell me what was wrong as they reported my account was zero. They provide a number for me to call XXXX. As I contacted this number it was outside of the business hours so then I was advised by XXXX XXXX XXXX to forward this issue to the following Monday. I called on Monday with the reference code number XXXX and was informed to then call XXXX which is a company debt collection for XXXX and XXXX attorneys who claimed that they did not receive my financial report last year which is about six months ago detailing my financial output so they could put me on payment plans. They also provided their fax number XXXX by which I kid facts them another financial report as I receive their template in the mail which is approximately XXXX hours from now. I spoke with XXXX XXXX extension XXXX at XXXX. She is now handling this case and said that there will be a possible review to refund the money that they seized, but no guarantee. This has come at a loss to myself and my son as well as I feel that I was misused because I followed all of their rules to comply with signing my financial plan and mailing it to them about six months ago. It is against the law to take all funds away from the consumer so I would love your support on this matter I could be reached at XXXX sincerely XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AR XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Checking or savings account

In response to previous complaints on behalf of Bank of America, outrageous display for taking my very little money and locking me out, then stating they will no longer do business with me. First attempt early XXXX, second attempt XX/XX/XXXX, has caused a lot of issues. As I stated in a recent complaint yesterday, I couldn't go to my doctors appointment, I lost my medications for the entire month and part of next month. I am responsible for my mother 's medications as well, and her doctors appointments. Which is gas and co payments! I CAN'T CONTINUE LIKE THIS FOR ANOTHER LONG DRAGGED OUT WEEK! The bank sent me a letter stating my account will be opened on XX/XX/XXXX, and everything will be the same, with a balance of XXXX!!! What? This situation was not my doing or fault! I WON'T MAKE IT, YES I BELIEVE I AM ENTITLED TO PUNITIVE DAMAGES COMPENSATION, MY BILLS HAVE DOUBLED AND NOBODY WANTS TO HELP ME! I PRAY THEY DON'T PICK UP ME VEHICLE. I NEED MY MEDICATION, MY MOTHER NEEDS HERS, I DON'T WANT HER BACK IN THE HOSPITAL, MONEY FROM ORGANIZATIONS GOT IT BACK AND ASKED WHY? THEY WILL ONLY TRUST DIRECT DEPOSIT. I AM COMPLETELY STRESSED OUT, XXXX XXXX IS XXXX  XXXX, VERY LOW ON XXXX MEDS AS WELL AND I HAVE NO MORE XXXX IN MY BODY TO PRODUCE XXXX. I DON'T UNDERSTAND WHY THEY ARE BEING CRUEL, JUST PLAN EVIL. I HAVE BANKED WITH THEM FOR SO LONG ... .. PLEASE, PLEASE HELP ME!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer has once again proven to be extremely unprofessional. Stating that they cant corroborate a claim made by me when in any other situation they would simply pull the phone call to verify that the information the agent or the customer is stating is in fact the truth. This company reported my car late for 120 even after it was stated and charged off as a stolen vehicle. Never recovered by me and literally being found years later. I plan to contact the police department and see if this company recovered the car because once again that would be unethical as most of Santander doings are and also illegal as it is double dipping. This company has stated for years that they never said that once I pay the charged off amount for a vehicle that was stolen that they would remove the negative remark off of my credit. Instead of just pulling the phone call they have continuously claimed that I am lying. Just pull the phone call as the date of the last payment is marked. Instead of actually investigating we simply have individuals sit in their office and say they cant corroborate. No research actually even done. For years this has been one of the most unprofessional companies. I have no negative remarks on my credit except this one. Im at the point where I am going to seek legal action due to this company continuously reporting a negative remark on my credit without doing the needed research to verify that their agent stated the entry would be listed as in good standings. I do not recommend this company and I will regularly report on this unfair dealing.