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

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX and sent a follow up Letter dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I am submitting this compalaint requesting that the Credit Bureaus correct the following items to protect my rights under the Federal Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX DEPTEDXXXX  XXXX XXXX : {$1200.00} DEPTEDXXXX  XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase XXXX {$2600.00} with a promotion of no interest for 24 months. As of XX/XX/XXXX the balance was {$2200.00}. I was under the impression that if I made two separate payments during the same month that one would go towards the revolving balance and the other towards the promotional balance as their recordings states and the CC terms and agreement. That was incorrect. None of the payments I made towards the promotional balance were credited to the promotional balance they were all credited to the revolving balance. I did not reach out since I thought that they would allocate the payments correctly. I was wrong again. I called on XX/XX/XXXX and told them about the issue and to send 1 year worth of statements. I received the statements and you can clearly see that every month for the past 12 months 2 payments were maid ( see attached ). On XX/XX/XXXX I called again so they can allocate the payments correctly and they said that they can not do that since I needed to call every month and tell them specifically that one payment was going towards the promotional balance. Who has time to call every month and do this? I have a CC with XXXX XXXX and its by Citibank and they never had a problem allocating my payments. If is the same mother company why does Best Buy treat it differently? Is like they set you up so you can pay all this ridiculous interest they offered to waive by the promotion. The representative ( Manager ) said that she could only allocate one of the XX/XX/XXXX payments which is ridiculous given the fact that I made 10 payments XXXX {$100.00} from XX/XX/XXXX to XX/XX/XXXX, {$600.00} on XX/XX/XXXX which should have gone towards the promotional balance of {$2200.00} and payoff of {$650.00} in oppose to {$1600.00} to not pay interest. If I did not pay that amount of {$1600.00} on XX/XX/XXXX the accrued interest that was going to be applied to my account was {$1600.00}. Double of what I owed. So I decided to pay the promotional balance of {$1600.00} as XX/XX/XXXX to avoid any further interest assessed. But Best Buy CC with Citibank are liars and they offer you a promotion so that later you can pay all the accrued interest. They do deceptive lending so people can fall into their tricks and then have to pa all the fees and interest they once promised you to waive in a promotion.
Product: Debt collection

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) IN COLLECTIONS SPRING OAKS CAPITAL LLC {$8900.00} OPENED XXXX XXXX  15 U.S.C 1681 section 604 A. section XXXX : It also states a consumer reporting agency can not furnish an 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts. DELETE THE ACCOUNTS.
Product: Mortgage

Granted XXXX modification by Wells Fargo/ASC in XXXX of 2014. I was approved for the XXXX XXXX XXXX modification, but the documentation does not show XXXX XXXX XXXX calculation which might involve some forgiveness and lower the principal. Made XXXX trial payments plus XXXX more so far. Now they are telling me that it may not be finalized because XXXX XXXX XXXX Bank will not subordinate the home equity line. XXXX XXXX XXXX claims their interest is not covered because of the property value. I have convinced them to do a new appraisal, because property values are increasing not decreasing per their data. Wells Fargo has put a XXXX XXXX deadline on resolving the subordination. 
Wells Fargo Loan XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navyfederal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair.
Product: Debt collection

I am not going to chase all this call this call that. That's your responsibility. I will however keep on filing this report until things get resolved. 

If I am responsible, I will pay for whatever I am responsible. You can check my credit history - I have NEVER had anything collections related. 

# 1 I have never even met any of the aprtment rental ppl due to pandemic.

# 2 I did not damage the apartment - I lived for 2 months and then moved to village in Alaska. 

# 3 I was never told I had outstanding balance nor was I warned that it would move to collections # 4 Please provide proof that I caused the damage. Either show me that the damage the apartment claims wasn't there before or show me that I caused the damage. I need to see itemized list of what was wrong and what was done and how much it cost. And PROVE that I am responsible. 

You can contact me via email or phone. I have tried numerous times to call you guys and talk to a human. It's your job to contact me and get this resolved.
Product: Bank account or service

My complaint is against Bank of America Merchant Account Services. I received a call from their representative ( XXXX ) this afternoon regarding my newly established merchant account. XXXX called from XXXX. I was advised that my merchant account was flagged because of the type of services that I/my business offer. XXXX advised me that I am an unqualified/high risk business and that my account is under review. 
I advised XXXX that I was very concerned about his call because of the long standing relationship that I have with Bank of America and had with my former merchant provider. I have banked with Bank of America for XXXX years and was often solicited by numerous representatives both at my office and in their branches. So I did n't understand how Bank of America could first offer me a merchant account, approve the account, send the equipment, allow my business to process credit and debit card fees only to then contact me less than XXXX days later to inform me that my merchant account with them could potentially be closed. 
During the completion of the merchant account application with the Bank of America representative on XXXX XXXX 2015 I detailed my long standing relationship, my account history and revisited all the services that were offered to my business over the years as well as the visits to my office that Bank of America representatives made to offer my staff checking account services and other additional services to me. 
After terminating my eight year relationship with another merchant services provider to accept the offer from Bank of America, it is unclear to me how Bank of America could have approved me for a XXXX year lease of the equipment and the account only to be told XXXX days afterwards that my account could potentially be terminated for no wrongdoing on my part. 
I am confused as to why Bank of America marketed services/products to me with intimate knowledge of my personal accounts, business accounts and business model ; then processed and completed a XXXX hour interview/application ; for the application to take the bank more than XXXX days to process ( time for which I am sure they used to complete their due diligence and to qualify me and my business ) ; then to approve me but to call less than XXXX days later and tell me that my business is now high risk/unqualified! 
The termination of my merchant account with Bank of America would cause an enormous financial hardship on my small business and should not be something that I should have to endure. Furthermore the processing of my application has impacted my personal credit profile and could affect my ability to acquire a new merchant account in the future. 
With that said I hope to keep this Bank of America merchant account to circumvent any unnecessary financial hardship to my life and to my business.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX XXXX Account Number : XXXX XXXX : {$8500.00}
Product: Credit reporting or other personal consumer reports

I co signed for my XXXX for a vehicle in XXXX. He then moved to XXXX XXXX in XXXX where he was working in a Bar/restaurant which he has never missed a payment. Then the XXXX hit which XXXX XXXX was shut down. He then lost his job where he could no longer make the payment. We reached out to XXXX XXXX  trying to see if there was any programs available like all of the other creditors to no avoid. Its now affecting my credit with the charge off, which all of my creditors are lowering my available credit now its looking like I maxed out all of my credit cards which is affecting my credit tremendously.
Product: Credit card

I noticed a charge on my credit card that did not belong to me last XXXX 2014. I contacted Barclaycard to file a dispute. I was told they needed 30 days to investigate the charge. I received a letter 30 days later stating the charge was valid and that the merchant showed a receipt for this transaction. I contacted the merchant after receiving this receipt to question this order number. I found out that my credit card number was used on this order but was linked to someone else 's account and delivery address. I then contacted Barclaycard again and they started a new fraud investigation case and I was told to wait another 30 to 45 days and up to 120 days for an answer. I recently received another letter saying the charge was valid with the same attached receipt and was told that because I had done prior business with this merchant that this charge would never be considered as fraud. I was also told that I should never open a fraud case if I have done any business with a specific merchant before.If I wanted a refund that I would need to wait for the merchant to refund the money to Barclaycard prior for them to adjusting my account. As a XXXX XXXX I should be protected with XXXX XXXX Liability Protection and should not have to liable for the fraudulent charges that I did not make, nor should I have to constantly call and get transferred to different departments without getting any results.
Product: Credit card or prepaid card

XX/XX/XXXX I emailed Wells Fargo to ask that they work with XXXX to locate the payment from XXXX that XXXX claimed it never received. 
XX/XX/XXXX I called the Wells Fargo 's credit card division and asked that they research the chargeback item from XXXX. 
XX/XX/XXXX I emailed Wells Fargo asking for a status update on the XXXX credit card transaction that XXXX said they did not receive XXXX XXXX I sent an email to Wells Fargo asking for assistance on finding out where the XXXX debit to my credit card went. I requested they direct the payments from XXXX to XXXX XX/XX/XXXX call placed to Wells Fargo credit card research. Wells Fargo XXXX XXXX XXXX offered to escalate the issue for further research. 
XX/XX/XXXX - Received letter dated XX/XX/XXXX from Wells Fargo that outlines the transactions that occurred. The letter did not offer clarity as to where the XX/XX/20 payments went Messages left with Research and Remediations Analyst XXXX XXXX XXXX XXXX X XXXX ) on the following dates went unreturned XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit card account with XXXX  XXXX XXXX has been reported as 30 days pass due, which is inaccurate. 
Date : XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

I fell 2 months behind on my mortgage and requested a loan mod from the servicing company, XXXX XXXX XXXX. I was told I was not eligible. The rate was 6.75 % but the payment was interest-only, $ XXXX/month. Later that month I called to make a payment and it was refused, even though I would have been only 1 payment behind. I re-applied for a modification while they refused to accept payments for another 6 months. I appealed to every agency I could for help. Finally XX/XX/XXXX, I was told to make a downpayment of {$22000.00} to be eligible for a loan mod. Instead, I recieved a Forebearance agreement demanding another {$29000.00}, and higher payments of $ XXXX/month. Since then, all of my money has disappeared. The {$51000.00} that I paid was ADDED TO MY PRINCIPAL BALANCE, and the money just disappeared-as did the employee who had been the main contact. I borrowed more money to hire an attorney to help me who was absolutely WORTHLESS-didnt listen to or review anything, just sent out the same letters I had already sent. I have prof of the wire transfers where these crooks stole my money. Now they have sold my loan. WHY CANT YOU STOP THESE CRIMINALS?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a loan and received a copy of my credit report. I realized I was a victim of identity theft so I contacted the police department. I disputed the information with the credit bureaus but they refuse to remove the items even though I have received letters from the creditors stating it was a mistake and will be removed.
Product: Debt collection

The debt is time-barred ie more than four and a half years old and it is past the statute of limitations as per Texas law XXXX The creditor Oliphant USA purchased it and hired XXXX XXXX XXXX for collection. XXXX XXXX XXXX is intimidating and threatening about lawsuits when called about the debt. Most of the time they do not answer the call or reply to the email. It is very hard to connect to the account manager of the file. The account manager keeps on changing the statement. At first they said they have not file lawsuit and will send payment agreement by XXXX after I agreed on payment plan but when called on XXXX  they are saying they have sent it for litigation and need to wait for court documents and not sure when they will receive it. I wanted to settle the debt but they do not want to co-operate with me. They do not like the fact that we contact them and do not give any information about the litigation filed by them. Both Oliphant USA and XXXX XXXX XXXX need to be investigated and penalized for unlawful and unfair debt collection practices, intimidation, and exploitation of consumers.
Product: Student loan

2013 private loan from Navient and releasing my personal information to lenders.
Product: Credit card or prepaid card

My Citibank credit card statements do not include the CFPB required minimum payment warning on it. All credit card statements are required to include this warning about how long it will take to pay the balance if you make only the minimum payment and how much interest you will pay.
Product: Mortgage

My VA-backed mortgage was current prior to entering a COVID-19 forbearance on XX/XX/XXXX. Freedom Mortgage did not report the account as current for several individual months during the forbearance ( in effect until XX/XX/XXXX ). The status states " current, paying as agreed '' but for individual months, they have not reported any data except for a negative remark : " PDE : Payment deferred '' for XX/XX/XXXX ( XXXX ). XXXX XXXXXXXX XXXX  show no reported information aside from the negative remark, yet XXXX ( still in the forbearance ) was reported as current. 

I also received a letter in the mail dated XX/XX/XXXX stating " we are concerned about your recently missed payment, '' and includes a loss mitigation packet detailing foreclosure. There is not data showing for XX/XX/XXXX yet on my credit report, so I don't how if they've reported a missed payment. This was while I was still in COVID-19 forbearance.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX - XXXX - {$9200.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

In Accordannce with the Fair Credit Reporting Account # XXXX XXXX XXXX XXXX XXXX XXXX Has violented my right 15u.s.c 1681 section 602 A. State I have the right to privacy 15.u.s.c 1681 section 2 it algo State a consumer reporting agency can not furnish a Account without my written intruction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit report COMMENTS from ( XXXX, XXXX XXXX EQUIFAX ) Payment History ( XXXX & EQUIFAX )
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last few months Experian has been upgrading my account from free as I previously set it. However, during that time there have been multiple billing attempts from Experian for an upgraded account. At one point I opened a live chat session and advised the rep that I should not have been billed. At that time I thought the issue was over but a day or so later I tried to login to my account to look at my report, but I could not due to a " billing issue ''. I then called in and went thru the entire explanation process and was told the issue was resolved. Unfortunately, it has happened again as I am currently being billed and I can not afford for them to take money that I need in order to pay my power bill to get thru these hot Florida XXXX. This is really affecting my family as well. I have been afraid to have any funds sent to the account because I am afraid that Experian will take it and cause my bills to be late. 

I am beginning to think that this is Experian 's way of bullying me due to my relentless efforts to hold them to accountable to remove unreported/inaccurate information from my report.
Product: Mortgage

I am attempting to drop my property mortgage insurance from my loan that is currently with Village Capital. I am currently under the 80 % loan to value and spoke with my lender and they advised me to contact the FHA department. After speaking with the FHA department I was directed to the Consumer financial bureau to file with them and start the process. My main concern is only to get the PMI dropped from my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDCO INITIATED  XXXX  FRAUDULENT INQUIRES ON MY CREDIT. THESE FRAUDULENT INQUIRES WERE INITIATED ON  XXXX   XXXX ,  2017  &  XXXX   XXXX ,  XXXX , &  XXXX ,  2017 . REMOVE FRAUDULENT INQUIRES.