23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I send out letter for the 3 bureaus last month it's been 30 days I didnt recieved any response for the bureaus since it's been 30 days I demand to delete the following accounts and inquiries listed below : Account Name : XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$580.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Open : XXXX XXXX, XXXX Balance : {$670.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Open : XXXX XXXX, XXXX Balance : {$4300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XXXX. XXXX, XXXX Balance : {$1100.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Open : XXXX XXXX, XXXX Balance : {$500.00} Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX # XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX - XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXXL Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX Date Open : XXXX XXXX, XXXX Balance : {$4300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$1100.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : $ XXXXAccount Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$580.00} Account Name : XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry : XX/XX/XXXX I will attached the letters I send out last month together with the id and proof od residency also I file ftc report for the fraudulents accounts and unahutorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX 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.
Product: Mortgage

My mortgage was recently sold to Loancare-A XXXX XXXX Company. Loancare appears to be unwilling or unable to provide information on my escrow calculations. Loancare does not have a mechanism for customers to speak with decision makers. XXXX60 minute phone holds result only in a message being taken. Email and web contacts go weeks without answer. I simply want Loancare to show my escrow calculations as they do n't match tax and insurance expenses.
Product: Credit reporting or other personal consumer reports

FRCA Vilolations Not mine Hippa Vi ; oation Not my account XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Payment history not my accounts XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2600.00} Open balance XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$1800.00} Open balance XXXX XXXX XXXX Original creditor not my auto account XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX INSTALLMENT  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX  ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company will not contact not even frau d investigator I h ave contacted them multiple times please have them call me  XXXX  the account is mine but the whole balance is not and I have already done everything that they have asked me to do by filling out an affidavit form
Product: Money transfer, virtual currency, or money service

I used a prepaid bluebird Amex card that I use for my some purchases or to pay bills to merchants I do not trust. I add funds to this account through linking my bank atm debit card linked to my XXXX XXXX checking account. Bluebird is telling me XXXX XXXX denied transaction transfers, yet XXXX XXXX checking was debited and transactions were paid to bluebird, yet my bluebird account was not credited for all the transactions. Plus, within the past month, every time I open the bluebird app, a different three digits appears in the user name spot. Its always three digits but always three different digits every time I open the app. These three digits are a mix of numbers and/or letters ( some of the digits are strange and not even on any of my phone keyboards. One such example of this is one of those three digits was an elongated /p/ where the straight line continues up above the circled area ). I called bluebird and transferred me to claim specialist and she gave me an email to send the screenshots I started taking. However, despite going over the email with her to make sure I wrote it correctly, it bounced back, informing me there is no such email address.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX account # XXXX Date Opened XX/XX/2022 The company has not taken any actions what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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

On XX/XX/2020, I sent letters to the consumer credit reporting bureaus regarding inaccurate and unknown information on my consumer credit reports. I have not yet received a response even though it has been over 30 days. I feel as if I'm being taken advantage of and my disputes are being ignored. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, my reputation and creditworthiness are being damaged. Section 611 ( a ) ( 5 ) ( A ) ( i ) in the FCRA clearly states that a failure to investigate the items being disputed within 30 days and provide the information I have requested gives reason to immediately remove those items from my credit report. It is now over 30 days and the items in question should be promptly deleted from my credit report. I demand that these erroneous items are deleted immediately from my credit reports or I will file for litigation due to the stress that I have endured and their failure to comply with the FCRA. My information has been impacted by the Equifax data breach.
Product: Credit reporting or other personal consumer reports

Have put a credit freeze on all XXXX reporting sites, and have been working with XXXX who stated to file a report with the FTC with taxes and such coming up.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal 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 Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

I switched bill planners starting the month of XX/XX/2024 and forgot to add my Avant credit card payment to my book which was due on XX/XX/2024. I realized on XX/XX/XXXX that I had missed my payment and made the {$25.00} minimum payment immediately. I called Avant right away and requested a one time courtesy waiver of the {$25.00} late fee since I have not been late in the previous 13 months that I had th3 card. I called on XX/XX/2024 and a request was submitted for a waiver. On XX/XX/2024 I received a denial of the request via email. I called Avant immediately and was told when I asked to speak to a supervisor that one was not available and that the waiver would be approved by a supervisor and that I would receive a call back. I never received the call back and feel I was lied to just to get me off the phone. I called Avant again on XX/XX/2024 and was finally escalated to a supervisor who refused to provide a manual credit of {$25.00} for the late fee to my account and stated it was a system limitation. Her name was supposedly XXXX and told me to file a complaint. The {$25.00} late fee was viewable on my account when I logged in on XX/XX/2024, but now since my bill cycle has ended on XX/XX/2024, I am unable to see the {$25.00} late fee charge and my statement is not viewable yet so I am unable to upload a supporting document.
Product: Credit reporting or other personal consumer reports

I notified on XX/XX/XXXX that my Federal Student Loans were forgiven as of XX/XX/XXXX. I received a letter from XXXX that the Biden- Harris Administration forgave my loans, contacted the credit bureaus before the end of XXXX XXXX. 

I reached out to XXXX and TransUnion. XXXX was corrected. TransUnion has corrected, XXXX is still working on it. I sent letter yesterday with all documentation that should arrive on Friday XX/XX/XXXX. Just got my updated 3 bureau scores and my Student loan is still affecting my credit scores. Even though it was forgiven as of XX/XX/XXXX. 

I inquired to credit bureaus as to how my credit scores were higher with a balance of {$350000.00} on XX/XX/XXXX. My present scores are lower and my debt is now only {$5800.00}. 

My credit report reads : Excellent on all aspects. Except - The remaining balance on your mortgage or non-mortgage installment loans is relatively high. 51 % listed by XXXX. 

The Biden-Harris Administration gave credit to the loan and forgiveness date was 18 months ago on XX/XX/XXXX. 

Credit Bureaus tell consumers we are using to much credit or not using enough. I use my cards and pay them off in full when the bill is due. Why is it held against me? 

Why if my loan is forgiven, is it still showing payments on my credit report up to and including XX/XX/XXXX?
Product: Debt collection

XXXX XXXX XXXX hasn't sent me a single item or call so I haven't been given any opportunity or means by which to repay the debt. XXXX dispute options were limited so I had to call them, but XXXX removed it on this basis, and as yet it's not on XXXX. 

They haven't contacted me prior to reporting nor since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Swiss Colony  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Product: Debt collection

This Company called my house phone 3 times, they left a recorded message on answering machine, then a lady called ( from XXXX ) and asked for a XXXX XXXX and I told her she had the wrong number and no one by that name lived here and that we had this phone number for over 8 years and not to call again. About 3 hours later we get a recorded message ( from XXXX ) saying we needed to contact because we had been sued and would be arrested if we didnt contact them to setup payment. I hit XXXX to talk to someone and a guy answered and I told him that they called earlier and I told them they had the wrong number and not to call my home again. I asked them their address and they gave me XXXX XXXX XXXX XXXX Texas XXXX, but that XXXX belongs to XXXX and they said they called them about using there address.
Product: Checking or savings account

A check was issued by our insurance company ( XXXX ) to us ( XXXX and XXXX XXXX XXXX and a Contract company ( XXXX XXXX XXXX ) on XX/XX/XXXX. The contract company deposited the check on XX/XX/XXXX without our signatures and without doing any work. The check was deposited electronically. The check amount was for {$29000.00}. We were unaware that a check was issued until XX/XX/XXXX after complaining that no work had been done by the contractor. XXXX obtained a copy of the cashed check in XX/XX/XXXX. The check showed a deposit stamp and a signature of a member of XXXXXXXX XXXX 
On XX/XX/XXXX we went to Truist Bank to have the check funds revered and sent back to XXXX and to file a fraud compliant. The Bank representative seemed to not know the procedure so she called corporate for help. The person at corporate also did not know the policy and procedure and how to assist us. To date the issue remains unresolved
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report, they are not mine, it is hurting me. 

Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an old account on my report, via XXXX XXXX, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand XXXX XXXX provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both XXXX XXXX and Equifax. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe XXXX XXXX a dime, and they know it, and Equifax should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report
Product: Credit card

On XX/XX/XXXX, called Capital one to make a monthly payment of XXXX. My balance was XXXX. It isn't a card that I use much, and I only have a credit limit of XXXX. 
They wouldn't let me pay it because there was fraudulent activity on it that I didn't know about. I told the representative that I still needed to make my monthly payment because I didn't want it to be late. He said no, and insisted that I wait until my new card arrived. 
I recieved my new card by mail on XX/XX/XXXX. I activated it and now I have a balance of XXXX and a minimum payment of XXXX. I called them and explained that one of their representatives wouldn't take my payment on the XXXX, and I was instructed to wait until my new card arrived, they pretty much said that it didn't matter, and because the payment was late, not only did my minimum payment go up, but they also doubled the charges that had been charged to the card! What? I have several credit cards, I have never heard of such a thing. And when I spoke to the mgr, he did not want to take any responsibility for their representative dropping the ball and not letting me make my payment on the XXXX. It all sounds very fishy.
Product: Credit card

My Premium Rewards Visa Signature credit card issued by Bank of America was closed by the bank on XX/XX/year>. But the Bank of America never informed me that my account was closed. The credit card Client protection department told me because I did not update my profile. I have checking account, credit card account, and retirement account with Bank of america for many years. I never received the request of updating my profile. My credit card account was charged {$95.00} annual fee on XX/XX/year>. It is only 13 days for me to use the credit card after I paid the annual fee, so I called the credit card customer service to request annual fee refund. But they did not refund me the {$95.00}. It is not fair that the Bank of America charged me the annual fee, then closed my account without refund the money. I request Bank of America refund me the {$95.00} annual fee.
Product: Mortgage

Good Morning, Please be advised, before reaching out to make a compliant I have reached out to the bank many times. 
On XX/XX/2022, I noticed on my credit report that there was a issue with my mortgage company, when I called the mortagage company, Penny Mac at XXXXpm I spoke to a operator # 1 who informed me that the payment made on XX/XX/2022 which was process on XX/XX/2022 was sent to escrow and not towards the mortgage. I informed the operator # 1 that it was a mistake and that when I made previous payments I used the same method. She then informed me on how to make a proper payment, waive the late fee. 

I then canceled the upcoming payments to avoid the same problem, unfortunately, when I tried to save it for the month of XXXX. I mistakenly entered a payment scheduled for XX/XX/2022. I called Pennymac to informed them of what happened, the operator # 2 then informed me same day transaction could not be canceled, and I would have to call the next business day. The next morning on XX/XX/2022, i called Pennymac bank and spoke to operator # 3 who informed me that I should have called the same day the transaction was made, I informed that I did and they should check there records since all phone calls are recorded. I informed her that operator # 2 told me to call the following day to have it removed. However, operator # 3 said it could not be done, and it would need to be process before the funds are sent back. I then asked to speak to a supervisor or manager. She reported no one was available and they were all in a meeting. I was extremely upset since I had a negative balance for the weekend and needed to make other payments. However, I took the Operators word, and confirmed the funds will be sent back. 

On XX/XX/2022, I called my bank the money was taken out of and explained the situation. They agreed to overturn the overdraft fee. On Wednesday, XX/XX/2022 the funds were returned back, However, on XX/XX/2022 XXXX again took funds out, leaving my account negative. When i called, I was transfer to 4 different people who were unhelpful. 'Finally I spoke to operator # 8, she informed me she was not aware as to why the bank was taking the funds out and was not sure what to do. This is my mortgage company and now I do not feel safe with my funds, and I have to live check to check only to now be negative and be unable to make other payment to pay my bill.
Product: Debt collection

Constantly calling my house about a debt I DO NOT OWE. I am NOT responsible for anyone else 's debt. Repeatedly have contacted them on their website to tell them this, yet the calls keep coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is XXXX I have a savings/checking account with Bank of America. I 've had an account with them for atleast 20 years!! They offered me an opportunity to apply for a Cash Rewards Visa Card. I was denied. I was given a free copy of my credit report. I 'm attaching my credit report. Nothing is wrong with it, that I can see. 
Bank of America states in the denial letter, ( attached ), that it was denied based on an account written off as uncollectable. Where is that on my file? 
I 'm attaching my credit report and letter from Bank of America as denial. 
I need help! How can I have a credit score of XXXX, which is noted in the letter from bank of america and a clean credit report. 
I get the run around from Bank of America on what 's causing this denial. 
Only 2 people have requested my credit report this year. They are one of the two.

It mentions that possibility for denial, 2 accounts?
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have reviewed my report and identified inquiries that I did not authorize, and I request an investigation into their legitimacy. If the inquiries can not be verified with evidence of my consent, I request that they be removed immediately. 
Below are the details of the inquiries in question : Company Name : Designed Receivable Solutions Date of Inquiry : XX/XX/year> Amount : {$1.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. If these inquiries can not be verified as authorized by me, I request their removal. 

Thank you for your time and attention to this matter. I look forward to your response and resolution within the 30-day period required by law.
Product: Credit reporting or other personal consumer reports

I pulled my annual report and realized I had damages on my consumer report misrepresenting me and displaying an abusive attack on my character. I have disputed four late payments with Experian, XXXX, and XXXX, as shown in my attached dispute letter. Ive sent an online dispute, certified letters, Fax, and phone calls quoting the laws below. They have not provided proof of their completed investigation and continue to ignore the laws below. As of today, my report still displays late payments, destroying my privacy. 

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX has violated my rights. 

- 15 USC 1681 Section 602 states that I have the right to privacy.

- 15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

- 15 U.S. Code 1681a provides definitions and rules of construction for the Fair Credit Reporting Act, with specific exclusions.

- 15 USC 1666B prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for a specific purpose.
Product: Student loan

These events been happening for the last two years. Misrepresentation of forbearance of student loan, release of cosigner, when payments are on time the student loan balance does not go down, and refusal of the reduction of payment on the student loan.