23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I obtained a new Bank of America Mastercard through Allegiant Airlines. I called the number on the sticker and cleared my number with the credit card company when I received it. Then I tried to purchase Allegiant Airline tickets and I was blocked. I called to have the block lifted, tried to make the same purchase, and was blocked several times more, called again, and finally was able to make the purchase. Then tried to make other purchases, but my transactions were again blocked. I checked my online account to see if any strange transactions had been made but was blocked. I called again and was kept on the phone for another 10-15 minutes. Finally I said this isn't worth it, I want to cancel the account. One of the operators I spoke with referred me to a " financial center, '' to which I physically have to report with " two forms of ID. '' The nearest bank of america is across town and I've already spent too much time trying to clear holds to make simple purchases. I don't have time for all this. I should be able to just cancel the account. I've spent so much time on the phone with these people.
Product: Credit reporting or other personal consumer reports

My Date of Birth is XXXX Resource SSN ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX for Report Information is : XXXX XXXXI have no other requisite of nor for submitting to you nor any entity non-regulatorily mandated supplied personal identifier information. As such, I do not authorize you nor any entity to report ANY decrees versus me of which there is not required inclusion or is information not exactly and completely as I have above appointed to is my non-disputed, factually confirmable correct and current personal identifier information mandatorily reported. Please ensure no other such information exists on my report. 
My Personal Tracking Number is XXXX XXXX XXXX XXXX XXXX RE : I make this address so THAT YOU TIMELY and ETHICALLY do your fair constancy in your processing of this written observation petition to eradicate now any and all Credit Reporting Deficiencies and Deviations from the mandatorily abided by reporting standards, for which XXXX signals can not exist without injuring trust in edicts with unreliable integrity thereby making impossible meeting the federalrulings report to a MAXIMUM POSSIBLE ACCURACY and COMPLETENESS for you could have and SHOULD HAVE been certifiably principled to your own industry standards established for the very purpose of better ensure at least minimal expectations of undoubtablesufficiency of your adherence of reporting in total proficiency with and or of law ( s ).

To whom it might concern I am writing to DISPUTE the following archives that your company supplied to one or more consumer reporting agencies.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, suitable and more than adhering of Federal and state reporting laws and or fairness in your docile adhering to the mandatorily followed credit reporting industrys codes namely the XXXX own XXXX detailed XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofsuitable memorandums that may else better ensure integrity of discords made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which might have NOT been satisfied or suitably maintained. I further demand, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably law-abiding reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are absolute even if unexceptional to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage Company is Cardinal Financial. 
I submitted Evidence of Lower Property Taxes due to my Veteran XXXX Rating on XX/XX/XXXX, that would result in a lower payment. 
On XX/XX/XXXX, I contacted Cardinal and requested an update on the Escrow analysis. They had not reviewed, or created a work order for the escrow analysis, and requested that I submit the documents again. This is costing me in monthly payment amount currently, and is an unfair padding of the escrow account, as Cardinal was made aware by the XXXX County Treasurer by letter dated XX/XX/XXXX, that my Taxes were lowered due to Veteran XXXX. Cardinal was even more aware that the amount was lowered, as they Paid half of the lower amount {$1900.00} in XX/XX/XXXX for Tax Year XXXX XXXX half Taxes. 
I was told via letter in XX/XX/XXXX payment effective date XX/XX/XXXX from Cardinal that my Escrow analysis was increased to a new tax of {$5600.00} for XXXX taxes, when the County Treasurer submitted a letter to Cardinal on my behalf dated XX/XX/XXXX, that informed them of a " Senior/Veteran Exemption Tax Estimation '' for me, with a XXXX tax year owed in the amount of {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time making this complaint on my own behalf. My name is XXXX XXXX and i was a victim of identity fraud. I was fraudulent inquiries and accounts attached to my credit profile. I have closed the fraudulent account and have a ftc report. In the report i included all fraudulent unauthorized inquiries and accounts. Ive also attached the report, my id, and social to this complaint. I am making this complaint on my own behalf. There is no third party included. 


INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX
Product: Debt collection

In the month of XX/XX/XXXX, a collection agency Accelerated financial started reporting an open credit of {$910.00} from XXXX XXXX according to my credit report. This company has come out of nowhere and damaged my report for something i don't have. I contacted the original creditor by phone last month mid XXXX and i was advised by a customer service representative that my account with them was closed in XXXX. I asked the representative if the system is reflecting i owe a balance, and she stated no. I advised her a company is reporting i owe {$910.00}, and she stated she didn't see anything on her end because the account was closed. Its been over 6 since the account was closed with the original creditor. All of my debt if any has been settled with this company years ago. I have never had an account with Accelerated financial ever, and they are damaging my credit. Also, this company is false reporting things to all credit reporting agency 's. Also, this company has never sent me a statement saying why I owe this amount of money. This is effecting me with potential job opportunities. Its also making my credit score lower as well which it hard for me to get a new home and other things I may need. I never had a debt with this company, and dont know how it came about. If this agency continues to report negative inquires on my report, I will file a civil lawsuit on this company.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXL Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a Kikoff credit account with a limit of {$500.00} from Kikoff Lending , LLC was open without my permission and reported on my XXXX and XXXX credit report.
Product: Debt collection

I wrote letter to collection agencies to verify that I owed the debt and I received only copies of the statements from original creditor but no signed document was provided.
Product: Debt collection

XXXX   XXXX   XXXX  in  XXXX , North Carolina charged me for natural gas consumption in  XXXX   XXXX  for a volume that wa s 10 t imes what I consumed in the month prior. My natural gas consumption habit did not change from  XXXX  to  XXXX , although a modest increase could be expected to due to heating requirements. In fact, I vacated the premises on  XXXX   XXXX , and the heating was turned off at that time. There was no justification for a ten-fold increase. I asked for a review of the account by  XXXX , and  XXXX  took no action. The debt was sold to FirstPoint Collection Resources of  XXXX , North Carolina. In  XXXX   XXXX  I received a letter that was dated  XXXX   XXXX ,  XXXX . I believe the letter was pre-dated in order to eliminate possibility that I could challenge it in the time frame allowed by law. This is a fraudulent bill, and it appears to be a predatory business practice of  XXXX   XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw charge-off accounts reporting that I do not recognize
Product: Debt collection

Portfolio Recovery called me repeatedly from various numbers, continue to do so after asked to contact my debt consolidation company, and law firm. I blocked over 15 number variants from my phone and they called my spouse as well. It's harassment at this point and disturbing. I can't use my phone without an interpretation from this debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to report the inaccurate credit reporting by the XXXX credit reporting agencies XXXX, XXXX, and TransUnion. The account XXXX XXXX should be immediately deleted from my credit report due to incorrect information. How is each bureau reporting different balances and payment history when all data furnished should be the same? This doesn't make sense and it violates so many FCRA regulations. Also, XXXX has yet to send me any historical data about this account therefore it should not be reporting on my credit report. XXXX does not even report the original balance so there is no way for me to fact check this information. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Experian and XXXX XXXX : acc : XXXX XXXX XXXX XXXX # : XXXX XXXX : XXXX XXXX XXXX XXXX acc # : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

I dont believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : acc : XXXX XXXX XXXX acc # : XXXX XXXX : XXXX XXXXXXXX XXXX XXXX acc # : XXXX After doing so please provide me with an updated credit report reflecting the changes. 


Thank you for your time, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I filed a fraud claim with my bank Wells Fargo, they took over two weeks to respond and I received a letter today, XX/XX/year> saying they denied my claim because they believe it was me or someone with access to my card, it was not. The two transactions total XXXX $ and Wells Fargo will not give me any information
Product: Mortgage

Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. FOR A LONG TIME NOW IM STILL HAVING TROUBLE GETTING A HOLD OF SOMEONE AT THIS COMPANY. EVERY TIME I CALL AND INPUT MY ACCOUNT NUMBER IT GOES STRAIGHT TO VOICEMAIL AND NEVER CONNECTS ME TO ANYONE AT BAYVIEW. This is a very very big problem and issue as I can not speak with anyone and do not have a direct contact to a person. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's acct # XXXX date:XX/XX/XXXX XXXX XXXX  acct # XXXX date:XX/XX/XXXX XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX I have disputed these acct 's to the credit bureau 's informing them again & again that I have not ever had theses accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681A2 I did not give written permission to have these accounts furnished on my credit report
Product: Credit reporting or other personal consumer reports

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to thirty days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX I asked Equifax on four occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

Equifax did not complete an investigation, nor had communications of results or said investigations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act CAPITAL ONE XXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX
Product: Debt collection

YOUR COMPLAINT Metro Collection Services , Inc. and XXXX XXXX XXXX claim I owe a debt of {$20000.00}. I am asking that 1 ) Metro Collection and XXXX XXXX XXXX acknowledge I do not owe this debt and 2 ) that this claim be removed from my credit report with all consumer credit reporting agencies. I do not owe this debt and have asked Metro Collection and to XXXX XXXX XXXX repeatedly ( including contacting them via registered letters ) to stop contacting me and to remove this debt from all credit reporting agencies. Neither XXXX XXXX XXXX nor Metro Collection have responded to me. Further Metros charging interest on this alleged debt is illegal in the state of Tennessee. Recent action taken on my behalf by the CFPB lead to XXXX XXXX XXXX being reported to the FTC and XXXX XXXX closing the collection account. Please see CFPB complaint numbers XXXX, XXXX, and XXXX regarding my efforts to resolve this issue. Despite this, Metro Collection Services , Inc. nor XXXX XXXX XXXX have removed this alleged debt from credit reporting agencies. Regarding the charge on my XXXX card by XXXX XXXX XXXX, XXXX concluded I should not be charged given the extensive proof of damages which exceed the amount of the charge. XXXX concluded I do not owe this money. I provided extensive proof to XXXX including, a police report, expert appraisals, statements from witnesses including a board chair for a credit union, other witnesses include a neighbor, and a former city council member and CFO of a childrens hospital and his spouse. I also submitted many photos taken just before, and during the move as damages occurred, copies of documents demonstrating breach of contract issues, and a copy of a document I was told by XXXX XXXX, the lead mover, I had to sign or my furniture would not be unloaded and I would not receive a damage claim sheet ( which listed only part of the damage ). I signed this document in two of the four places I signed XXXX XXXX. I also have additional documentation including, but not limited to, abusive emails from XXXX XXXX of XXXX XXXX XXXX. The total of all theft, damages, and breach of contract issues well exceeds the amount XXXX XXXX and XXXX XXXX XXXX wrongly claim I owe. As a result of the documentation I submitted to XXXX, and the fact that XXXX XXXX XXXX did not dispute this evidence and offered no evidence to the contrary, XXXX resolved the dispute in my favor. A senior manager from XXXX advised me that collection agencies arent to be used for a disputed claim resolved in the card holders favor.
Product: Mortgage

I noticed that Loan Care wrongfully charged me twice for my full property tax in XXXX year, increasing my payment from XXXX to XXXX This can be seen on the attached Escrow Disclosure document on page XXXX. 

I filed an email complaint on XXXX/XXXX/XXXX given them my XXXX tax form and pointing out the error. I was issued ticket number XXXX. I then called and asked for my issue to be expedited and was told my issue would be resolved in XXXX business days. 
I called Loan Care after the a XXXX business days and they said it would be handled that night. They said they would call back when it was resolved. They never called back. I would call each week and they would give me a new resolution date each time, ranging from XXXX XXXX all the way to XXXX XXXX. They never would call be back and I would always have to call them. The issue is still not resolved and I am extremely unhappy with the way they have handled this. I am tired of calling them and getting disappointed. 

To add to the frustration, I ended up paying the XXXX amount for the XXXX XXXX mortgage payment since I was on XXXX XXXX Loan Care said after the resolution they would refund me the difference. We are now approaching the XXXX XXXX mortgage payment and my payment is still wrong XXXX XXXX XXXX. 

I really need some help as I feel they are giving me the run around and not solving the issue.