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

This bank has been horrible since XXXX changed companies for their XXXX XXXX XXXX XXXX XXXX Credit Card program. Didn't get my cards on time as promised back in the fall. And now they are not fulfilling their responsibility to provide reward redemptions. 
XX/XX/XXXX I submitted requests for point redemptions on two cards. 
XX/XX/XXXX I found that my bank had received payment in pennies not in dollars- misplaced decimal points by two places!! I contacted the bank online through the account XX/XX/XXXX they responded that they are aware and are fixing the problem Today is XX/XX/XXXX and it is still not resolved. 
Due to issues in getting the cards set up in the first place the bank promised extra points for this past XXXX. Then I received a notice in XXXX that they hadn't done points correctly for XXXX and had made adjustments to correct the issue. No report was provided to reflect the mistake or the fix. The fix effectively wiped out the extra points that had been promised.
Product: Credit card or prepaid card

The week of XX/XX/XXXX, Bank of America failed to process a scheduled payment. They stated this was due to " insufficient funds, '' however, the attached image shows that I sustained a balance of over {$6000.00} for several days before and after the < {$500.00} payment was scheduled. However, Bank of America labelled this error as a " failed payment, '' froze my bill pay, and initiated collection proceedings without any visible attempt to research or correct their error. 

I called Bank of America the week of XX/XX/XXXX and spoke to a representative who apologized, stated she would unfreeze my bill pay, and submit requests to reverse any fees and interest charged, and correct any information sent to the credit bureau. 

I have spoken with two more representatives on the phone since who have also apologized, stated they would fix the error, and claimed to make a notation on my account so I would no longer be harassed by their collection proceedings. 

As of XX/XX/2019, however, Bank of America has still failed to reinstate my Bill Pay account or reverse any fees, interest or notations on my credit reports. I have attempted to reach out in writing four additional times, with no response. Bank of America has not sent me any paper bills or correspondence or other payment options, leaving me completely unable to pay.
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. Act Name : XXXX XXXX Act Name : XXXX  XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Debt collection

ERC a debt collection company is attempting to collect an old debt on behalf of XXXX or for their own profit with an origination date in excess of 7 years. As an example XXXX  collections shows an open date of XX/XX/2016. 
ERC has placed debt collections information on my credit report that negatively effects my score. ERC has mailed to my home address attempts to collect this old debt and threatened " unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after your receipt of this notice, the debt will be assumed to be valid by us. '' Not only must  ERC stop their open ended threats of assumed debt, ERC must remove the long overdue removal of this debt from my credit information. ERC must stop collection attempts and stop continued efforts to re-new this old debt.
Product: Debt collection

I believe the company is Elan financial services identifying themselves as XXXX on the phone XXXX ( XXXX ) XXXX and XXXX cardmember services or just cardmember services XXXX XXXX XXXX XXXX mo XXXX through the mail. Was told by a rep they were XXXX ( my bank ) until XXXX when I spoke to a supervisor about them calling me 8 times a day. Supervisor told me it was XXXX and not affiliated with XXXX in any way and that calling more then XXXX times a day was against their policy. I told them I couldnt get money in my account as my banks atm had been down for a month and I couldnt make a payment. It was fixed toward the end of XXXX and I tried to get it caught up. On XXXX XXXX the atm was robbed and completely disassembled in broad daylight. I told Elan this and was told they would just continue calling daily until I made a payment. In the past 2 months XXXX through XX/XX/2022 they dont even identify themselves anymore they call and hang up immediately. While writing this I got a call from them actually talked to someone and asked for a supervisor as I was telling her they hung up on me every time she hung up on me. This time it was on speakerphone and my fianc heard them hang up on me. Ive included the numbers they call from and pictures of the mail they have sent me on witch they are just identified as card member services.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I applied for and was funded a {$300.00} installment loan. The loan came with an astronomical interest rate. I have been making the payments weekly via electronic debit of my bank account with the exception of one week my check came in late and they charged me a fee for missed payment. I am caught up but for that fee. I contacted them a few months back because I was unable to register for login on their website. I wanted to view and print my terms again and see about an early payoff maybe or rearranging dateas, etc. I just needed to be able to view my account online. I was told that I was unable to regiatwr with the site because of the very small past due fee..my bank covered it and they got their payment a day late..but the fee stayed. They would not in any way shape or form allow me to register online unless I paid that overdue. I argued for it to be added at the end as an extra payment, paid off in increments..anything and evwrything I could think of. Its been nearly 6 months and I still am unable to gain access. I can not get them to tell me my balance or anything. I gave up until recently. I want to switch my payments to my other bank account and need to be able to access the site to do so ... as thwy told me in emails they can not take or change payment information. Is there anything you can do to help me get into my account? I think it is my right as a consumer to be able to view my own loan information isnt it? Also, they are a tribal lender i believe so I dont think theres much anyone can do about them taking complete advantage of my desperation with those interest rates ... but maybe could look into it? It screams unfair business practice to me. Thanks so very much and Ill await your reply XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had called back in XX/XX/XXXX and spoke with Chase Bank financial auto about what I could do to get some assistance for my XXXX XXXX XXXX. I had spoken to a representative and he had said that they were allowing customers leeway in paying back monthly payments that they couldnt properly provide at the time for each month for payment. I had lost my job in XX/XX/XXXX because of Covid. I could no longer pay my bill because the company I was working for was laying people off because they couldnt afford to pay their employees during a time of a entire country closing down lines of business, loss of employment and laying people off. ( United States of America ) Going into a new year of XX/XX/XXXX. I was just getting off of work from XXXX XXXX in XXXX Colorado. I had a car repo man park behind my vehicle, saying that hes coming to repo the car. I said I had an agreement with Chase Bank that I didnt have to pay until the end of the contract to have it in full for my agreement because of Covid-19. He laughed at me and said no were coming to get the car and you need to get all of your belongings out and talk to your car loan company. I never received a call I never received an email or a letter in advance that if I didnt pay that they were going to repo the vehicle. I had no car on XX/XX/XXXXXXXX XXXX XXXX XXXX. Became almost nearly homeless that year when I was almost making XXXX figures. I ended up having to leave my home in Colorado because of this issue and couldnt figure out a way how to get to work and back because my car was repoed. I tried to contact Chase Bank and asking them as to why their representative told me that they were giving out Covid assistance during a time of need and hardship. They ignored my request of proof of recorded calls from XX/XX/XXXX up until XX/XX/XXXX. I was misled and lied, and not treated with and type of empathy or acknowledgment that I needed during the time of my financial hardship.
Product: Debt collection

L J ROSS ASSOCIATES, INC placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX
Product: Debt collection

Enhanced Recovery Co L at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the about of {$100.00} the collection has been reported as past due. I do not know this company. This company does not have a contract with my signature.
Product: Credit reporting

I have disputed with Equifax numerous times about invalid hard inquires on my credit file and all I get in return is my report accurate and it 's mine. I do n't see how it 's accurate if i never applied with these credit card companies. I never applied with XXXX XXXX XXXX or XXXX, XXXX. I also disputed XXXX items that are on my credit report that are in collections which was already part of my bankruptcy and which should n't be on my credit report at all, they said it 's valid and refuse to move it. I sent a investigation to XXXX about the same items and they removed it from my report but Equifax wo n't do the same, here is my copy. This a violation to my rights as an consumer they refuse to send me any proof when I requested proof from their business and I still have n't received anything. 
Thank you for your timeXXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE XXXX XXXX HELPING ME DUE TO XXXX XXXX  FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNT XXXX {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize the name on the loan for {$380.00}. Nor do I remember getting a loan anywhere near that amount or at that time. I dont think it was me, and if it was then the amount is far more then it should be. I'd like to dispute it, to my knowledge It wasn't me.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed XXXX {$5200.00} XXXX XXXX XXXX Balance Owed : {$600.00}
Product: Money transfer, virtual currency, or money service

I was scammed on Zelle multiple times for hundreds of dollars. When I tried to contact them about it they said there was nothing they could do
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an XXXX XXXX XXXX credit card ( administered initially by XXXX  XXXX XXXX ) for years without issue, always paying my full monthly balance each month through an automatic withdrawal from my bank account. I use this credit card only occasionally for travel expenses and otherwise mostly rely on other cards for my routine day to day expenses. A few months ago, my credit card account was transferred from XXXX  XXXX XXXX XXXX First National Bank of Omaha ( FNBO ) without any notice, written or otherwise, to me. At the same time my longstanding autopay was cancelled. I was not furnished replacement credit cards or other notice that the small monthly ( non-delinquent ) balance of a few XXXX dollars was being transferred to a new bank, without my autopay, and without a chance for me to easily pay the balance. I did not notice an issue with the credit card as I do not regularly use it when I am not travelling. FNBO began to leave me voicemail messages simply asking me to call their XXXX number without giving other information, I assumed this was spam as I had no known accounts with FNBO. They finally sent a written notice via mail to my home address demanding payment for an outstanding balance ( showing an account number last 4 digits that I did not recognize, without any other statement details, including the amount owed or other details that would verify that the notice was not spam/junk mail ). This led me to call them and finally understand that they had taken over my account, cancelled my autopay, and now charged me several late fees and interest, and reported my account as delinquent to credit rating agencies, all without having given me proper notice or a chance to pay off the small balance. I immediately paid the outstanding balance ( they did waive the late fees and interest ), and closed the credit card account. The credit reporting issue is the a major outstanding problem, as I am looking into buying a home very soon. Since my account was not properly handled and I was never given an appropriate opportunity to pay the balance, the delinquent notice on my account is inaccurate and should be immediately removed from my credit reports to repair my credit before I seek financing for a home mortgage loan. I have never had issues with credit card debt and this issue will significantly impact my otherwise excellent creditworthiness. When I called FNBO with this issue, I was told they would " look into it but can not promise anything. '' This is not an acceptable response and I need my credit to be repaired immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, is the date stated on my credit report as an inquiry for an autoloan. I did not submit an application to XXXX. When the customer service department was contacted on XX/XX/18 to dispute the inquiry, I was given an excuse as to why it could not be deleted. I tried another time on XX/XX/XXXX with XXXX, who advised me to contact the company and the same resolution was given. My car was financed with XXXX XXXX and not XXXX XXXX. I do not have an open account with the company at all.
Product: Credit reporting or other personal consumer reports

My information, bank accounts emails, social security number was leaked back in XXXX during the data breach inaccurate information was placed on my credit. 

They verified that my file does not exist in their system and has continued to report to all of the credit bureaus this false information. 

I reached out tXXXX XXXX XXXX former manager and current manager. XXXX XXXX XXXXXXXX, Equifax, and XXXX  to delete the incorrect information, and they have refused to cooperate. 

Also, after paying my full balance of my vehicle, My former car dealership ( XXXX XXXX sales ) was shut down and I never received the vehicle title. They also placed a lean on my title even when it shows a zero balance and has shown up on my credit.

I again, called all three bureaus to correct the issue, after sending proof of zero balance to all the three credit bureaus.

In all I have asked all incorrect information to be permanently deleted when they have not done due to the data breaching and my social security number being randomly ran without my consent or knowledge. 

I have sent in information documentation proving my innocence and they are still refusing to comply. I filed a police report as well and sent the report and cfpb report into all three bureaus. 

Please help, this has affected my lively hood completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported : XXXX/ {$140000.00} / XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dipped XXXX points in XXXX. I now see remarks on all my files from XXXX just because I disputed and they filed in their favor. I will soon be buying a new home and my score is in the XXXX! I was in the XXXX 2 months ago. This is unacceptable. I have proof now that your forbearance plan shows NO DATA when I was paying mortgage in FULL after XX/XX/2020. I made a payment in XX/XX/2020, but since you set me up on the COVID plan. They forced the dates in XXXX. I also started paying right away and told XXXX that I no longer wanted the plan, but they did not stop this plan until XX/XX/2020 without my consent hence my unapplied payments I kept making and they having to manually enter them, but I paid my mortgage in FULL every single month I have had this loan. Like I stated before, the only months that were deferred were XXXX & XX/XX/2020. I just paid this loan off and I have paid back the {$1500.00} in FULL, but now having FORBEARANCE on my account is also going to hurt my credit. I have all my statements to prove this. So why are all credit reports showing NO DATA for all the months up to XX/XX/2020? Because XXXX did not report me correctly. This should show PAID as HUD paid those XXXX months for me and I want these remarks removed from my credit reports and especially my sister XXXX XXXX as she was not even living in the home anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. I have filed a FTC report and contacted my local police department. I'm doing this on my own behalf. XXXX XXXX  XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Product: Mortgage

Sent mortgage assumption, assistance documents to mortgage company XX/XX/XXXX, and XXXX, 2024 again XXXX. Spoke to XXXX XXXX XXXX I will have to go through Life Events Team questionnaire to see if I qualify to be the successor in interest. 
Spoke to XXXX in the Outreach Dept. XXXX XXXX, 2024, she was unwilling to give me the status of mortgage assistance. Requested a supervisor was transferred to XXXX in Escalations. Stated there is still a foreclosure scheduled on the property for XX/XX/year>. Sale date would not be canceled until all documents are accounted for and review is complete. He advised I should send the documents to the email in Escalations at XXXX. Documents were emailed for XXXX time XXXX, 2024. 
Chase is giving me the run around, incorrect information trying to make me lose my house to foreclosure.