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

I bank with XXXX. The bank phone number was spoofed. They called and told me of fraudulent charges pending on my account and walked me through the process to solve it. 

At the time I was at work and stressed and this seemed legitimate at the time. The number to call was XXXX which is set up to be " XXXXXXXX Zelle Fraud '' helpline. 

The first call it was " Supervisor XXXX '' and the second call was " XXXX ''. 

They walked me through the process and in the end I was scammed out of {$990.00} Please investigate this and make others aware so they don't fall for it.
Product: Credit card or prepaid card

I recently learned capital one credit cards do not release my spending information to 3rd party apps through plaid when requested. This started around XX/XX/XXXX. This is something that should be my right to do with as I please! I use the app drop to earn points from spending and they just notified me of this. Many others have reached out to capital one and you about this issue. Thank you
Product: Debt collection

On XX/XX/XXXX, I received a notice by mail from Convergent that I owed XXXX on a bill from XXXX. They said I could discharge the debt by paying them 35 % of my total balance, or XXXX. 

Not having any issue with XXXX, I called them to inquire. They told me that we had no debt unpaid with them and that we have been a good client since XX/XX/1995. 

I called Convergent 4 times on XX/XX/XXXX to discuss this notice. Each time I was transferred to a random answering machine where I could not understand the message. Each time I called back, I was told I would be transferred to a supervisor or the proper department. 

And each time I was transferred to another anonymous answering machine.
Product: Credit reporting or other personal consumer reports

Dispute letter have been sent out regarding the debts in question, have received any documentation within the 5 days stated by law. I am a human being my name is XXXX XXXX, I feel totally disrespected bu the credit bureaus. i have a right to privacy. I also have an issue regarding Investigation Consumer Report, once something has been deleted it cant be placed back on my report unless some confirms it as being accurate. So who confirmed the accuracy and whom did the credit bureau speak with concerning the Investigation of Consumer Report. I never authorized the Inquiries on my credit report. My information appears to have been comprised.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the company associated with the fraudulent account. The company has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has been mistakenly existing on my report for over five years. But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents Please have these accounts deleted : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Very misleading, insane interest rate ( 165 % ) I needed this for a short term dental emergency and this company wouldnt approve me because my bank letter wasnt signed by a bank employee ( my bank is XXXX XXXX they dont offer that ) I provided a voided check with my previous address, my bank statement, a direct deposit letter all which contained my current address, I also had XXXX XXXX send over detailed account history as well. They now have a ton of my personal information and are refusing to work with Me. Even though I have verified my bank through means acceptable to the IRS. Biggest scam company out there. I will be reporting them to the XXXX too.
Product: Debt collection

Every week I get a call from a company that claims to be a debt collector. They call at all times of the day and do not stop calling until I pick up the phone. They identify as Capio Partners. They tell me that I owe over {$1200.00} in XXXX bills and they are offering me a settlement amount that I can pay over the phone today. I continue to ask them to stop calling me but they persist.
Product: Debt collection

Dear Equifax, I am a victim of identity theft. I woke up last week check my credit report because I am planning to have a kid in the near future without my credit I cant do nothing. it is really frustrating .I have everything attached. Thank you EQUIFAX.
Product: Mortgage

After applying for a XXXX I received various notifications that the loan was denied because the " debt to income ratio did not meet guidelines ''. This was evidently due to a large part of my income depending on rental income. I requested detailed information about how they calculated the income, debt and debt to income ratio. My request was ignored. I subsequently wrote a letter directly to the CEO of the XXXX XXXX again asking for information about how the income, debt and debt to income ratio were calculated. The letter was not even acknowledged as I received no response at all. 
It is the XXXX XXXX 's prerogative to use whatever criteria they want in processing loans but when they deny a loan they should at least provide all the information to clarify the basis they used to deny it. Furthermore, they should respond to letters from members.
Product: Credit card

THIS COMPLAINT IS FOR CARD ENDING IN XXXX AND IS DIFFERENT THAN OTHER COMPLAINTS FILED WITH THE CFPB AGAINST BANK OF AMERICA. 

I am writing to lodge a formal complaint regarding my recent experiences with Bank of America. I have been a Bank of America credit card holder for several years, and I have always strived to keep my account in good standing. Unfortunately, my financial situation has been deteriorating quickly, and all my hopes and attempts at holding my finances together are exhausted. A combination of a rapidly increasing cost of living, an increase in card interest rates, and a significant reduction in my income has caused me to be on the brink of a financial collapse and default on all my credit obligations. This is the last thing I want to do, but I have nearly {$100000.00} in unsecured credit debts and my resources have dwindled. 

In an effort to manage my debt responsibly, I contacted all of my credit card providers to explain my situation. All these institutions have offered me a workable solution : the option to close my accounts and repay the existing balances over 60 months at a 0 % APR with no additional fees. This arrangement has provided much-needed relief and a long term sustainable way to resolve my debts in a manageable way, without defaulting or falling delinquent, or bankruptcy. 

However, when I reached out to Bank of America with the same request, ( three times now ) I was informed that I should work instead with debt consolidator credit company. I reached out to several of those companies but there plan seemed like a financial catastrophe waiting to happen. While I appreciate any assistance available during this difficult time, it seems unfair and inconsistent that Bank of America is not extending a similar in-house hardship arrangementone that other financial institutions have readily offered me. 

I am simply seeking an arrangement that allows me to offer the same or similar solution, which is a long term re-organization of my debt that allows for a sustainable way out of this enourmous debt burden I am in.
Product: Debt collection

XXXX XXXX XXXX also known as XXXX has been reporting a balance of {$1700.00} on my credit reports for a payday loan that originated from Cashnet USA. Ive told them repeatedly that this debt does not belong to me. Ive ask for debt validation/verification on multiple occasions and they have yet to send me the information. Ive spoken with and did disputes only to get no results because the are not verifying the debt with the creditor 's but rather third party agencies. After many complaints about this strategy they recommended that I file this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX 's XXXX XXXX XXXX XXXX. defines XXXX as : Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See : XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXXXXXX XXXX XXXX  XXXX ; XXXX v. XXXX, XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX. You have to have documents that support your claim that you verified the accuracy of the disputed item ( s ). Its the business record ( the documents ) that constitutes the accuracy, not the testimony of a 3rd party witness referring to the document ( s I dont have a contract with a signature attached and the credit agency has failed to provide physical proof I don't have documentation in my records of XXXX XXXX XXXX for {$140.00} I dont have documentation in my records for municipals credit union for {$3300.00}
Product: Credit reporting

Equifax contains XXXX accounts with XXXX on my credit report that contains no data reported form XX/XX/XXXX thru XX/XX/XXXX. These accounts are labeled derogatory and or delinquent. I filed ChapterXXXX XX/XX/XXXX which included these XXXX accounts with account numbers XXXX ... and XXXX .... First, there should be payments provided from XX/XX/XXXX thru XX/XX/XXXX. These accounts are closed with {$0.00} balances. The Fair Credit Report States credit bureaus ca n't have negative accounts on a credit report for longer than 7 years. It Does Not State the accounts Must remain on the credit report for exactly and no later than 7 years. So basically, it 's up to Equifax here on how long these accounts will remain on my credit report. These accounts were originally opened in XX/XX/XXXX. I realize the accounts were updated XX/XX/XXXX. However, I had XXXX accounts with XXXX XXXX XXXX that were open I believe in XX/XX/XXXX and XX/XX/XXXX. These accounts were included in the Chapter XXXX XX/XX/XXXX. Well, I believe some time in XX/XX/XXXX, these XXXX accounts were removed from from credit reports. I never challenged the accounts. Equifax took it on their own to delete these accounts after only 4 years. The XXXX accounts have negatively affected my credit report for almost 25 years.
Product: Debt collection

My recent credit report is showing unverified, and unauthorized collections that I never had a chance to dispute. The collections are from XXXX XXXX XXXX, and XXXX XXXX XXXX. By law I am owed proper credit reporting according to the FCRA. I am requesting debt validation for these collections because I never received written communication. In this debt validation I am asking for detailed list of my history payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of XXXX to collect in this debt, also asking to see if there had been XXXX claims filed on these accounts. With out providing proof, these accounts should be removed from XXXX, Equifax, and XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX  XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to this credit repository last XXXX XXXX, XXXX. I have disputed two accounts, XXXX XXXX and XXXX. Both accounts have been reporting incorrect, inaccurate and incomplete information. These account has been reporting incomplete and inaccurate late payments. credit bureaus show either " no data '' or " unknown in most months in my payment history. They are also reporting " 90 days late '' without prior late?!. Account # XXXX has been removed/repaired. But account # XXXX, still reports the error violating FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Begining in XXXX 2017, Equifax received payment of {$5.00} to provide me a replacement pin so I can lift my credit freeze and provide evidence of identity. They have failed to provide me a pin and this is causing me to not be able to purchase a home. <P/>
I have written them 3 times and my attorney wrote them on XXXX XXXX2017  and to date they have failed to provide me a replacement pin even though they have accepted my payment and failed to return the payment.
Product: Mortgage

XX/XX/XXXX just happened to occur on a Sunday. Herein begins my saga. 

I use XXXX web bill pay to pay my mortgage which I obtained through XXXX and which is now serviced by Nationstar. 

The payment was sent early because the XX/XX/XXXX was on the weekend, so on the XX/XX/XXXX when Nationstar received my payment, it was applied to principal, not the contractual payment. When I received the late notice onXX/XX/XXXX, I called immediately to try to figure out what happened. I was told two things : My early payment was applied to principal but that they could reverse the payment and apply it to the contractual payment ; second, my payment was about {$40.00} short because my escrow had increased and it increased my mortgage payment. I was also specifically told that they do n't send a negative report unless its over {$100.00} short. However, come XX/XX/XXXX, the payment I made on XX/XX/XXXX again was n't applied and the additional payments that I sent do n't reflect on my statement. I have called twice in the last week only to have the exact same conversations. Each time, I am told that the request to apply my payment to the contractual payment has been made and that it should reflect within 24 hours. To date, they still can not figure out where the additional {$91.00} in payments have been applied. I am beyond frustrated, there appears to be no end to the phone calls, no solution in sight, no hope of actually figuring out where my money has gone.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late '' or complete DELETE THE ITEM? un-authorized 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
Product: Debt collection

I am completely unaware of this collection agency. I was never notified about an attempt to collect a debt. The debt has not been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion issues I keep running into the same issues with TransUnion. I have attempted to make many corrections to the misinformation that is being constantly reported. 

First, someone reported XXXX as an alias and they took that information as accurate. 

They also reported some other addresses that were really private mailboxes that I rented from a local XXXX store. Somehow, they reported those as valid apartment and home addresses. 

I disputed a lot of the addresses and they somehow appeared again this month. 

Also, it seems that my personal address was updated to an old address in XXXX XXXX, CA. 

I called to inform them of the update and I still dont see the update. I have reported many instances of telefraud to Immigration and Customs Enforcement ( ICE ). 

Im not sure what kind of fraud they are trying to perpetuate but I have a feeling it is a hate crime by the XXXX community. I have also reported this to the Federal Bureau of Investigations ( FBI ). 

I am a member of the XXXX and think that they somehow caught wind of this via the homoerotic fantasies being perpetuated in my current city of residence - XXXX, AZ. 

A lot of the younger males/females/them appear to have this XXXX fantasy with me involved. I think they record weird audio when I am training. 

Back to TransUnion, new address alert - XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA ) had already been removed. New address alert - XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA, XXXX ) moved out years ago. 

I have filed more than a few fraud reports to the Arizona Attorney General as well, regarding some of the crimes being perpetuated. 

I have had a TransUnion membership since XX/XX/XXXX. 

XXXX XXXX XXXX apparently purchased some old medical debt that had already been paid off or written off years ago. I'm not exactly sure what kind of scam this company is trying to perpetuate via XXXX XXXX XXXX, XXXX. 

Somehow, this was reported to XXXX and added to my credit report. I don't think you can use medical debt to bring down credit scores - I am pretty sure this is illegal.
Product: Credit card

Credit card company 's sign up page stated : Enjoy all of these benefits for {$50.00} Annual Fee The benefits included a benefit for Bonus Award Nights. When clicking on the link, the only information regarding changes was listed vaguely as : We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law. 

It does not state anywhere about changing account benefits, nor does it state that the annual fee is for servicing the account, rather I am receiving a set of benefits for paying the Annual fee. They have now removed one of those benefits, and have stated that they will not refund, prorate, etc., the annual fee on the account even while removing benefits. 

They market this credit card and the annual fee, by stating that I am paying an Annual fee for a set of benefits, and then they are removing benefits while not doing anything with the annual fee. 

The consumer is being harmed by companies that advertise a set of benefits for a fee and then remove those benefits while not adjusting the fee.
Product: Checking or savings account

XXXX XXXX {$1500.00} was stolen out my account. i sent in police report and everything I they told me to send I tried 13 times and still denied from chime bank
Product: Credit reporting or other personal consumer reports

Request for Re-Investigation of Credit Report Discrepancies I am writing to formally dispute the accuracy of certain items that remain on my credit report despite a prior investigation. I request that these items be re-investigated immediately, as their inaccuracies are significantly detrimental to my XXXX XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the Fair Credit Reporting Act ( FCRA ), Public Law XXXX, XXXX VI, Section XXXX, Subsection A-D, kindly furnish the names and business addresses of the individuals who verified the disputed information. This information will enable me to communicate directly with them. If you are unable to provide business addresses and contact information for these individuals, please remove or update the account accordingly Additionally, please send me an updated copy of my credit report upon completion of your investigation. 

In order to avoid any delays in processing and in the interest of transparency I have add my government photo ID, Proof of address, and social security card to verify my identity. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports.

Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have recently entered into the loss mitigation program my mortgage company XXXX XXXX COVID-19 related hardship, including a payment forbearance program made pursuant to the Coronavirus Economic Stabilization Act, section 4022 ( 15 U.S.C. 9056 ) ; it also includes, without limitation, all other principal and interest payments that are due and unpaid by a borrower experiencing COVID-19 related hardship. For purposes of this paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ), the term of the mortgage loan means the term of the mortgage loan according to the obligation between the parties in effect when the borrower is offered the loss mitigation option.

( 2 ) Any amounts that the borrower may delay paying as described in paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ) of this section do not accrue interest ; the servicer does not charge any fee in connection with the loss mitigation option ; and the servicer waives all existing late charges, penalties, stop payment fees, or similar charges promptly upon the borrowers acceptance of the loss mitigation option.

( 3 ) The borrowers acceptance of an offer made pursuant to paragraph ( c ) ( 2 ) ( v ) ( A ) of this section ends any preexisting delinquency on the mortgage loan. 

XXXX XXXX : Acct # XXXX