23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America has reported to the credit bureaus I was late 120-180 days mortgage payments for each XX/XX/XXXX-XX/XX/XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact XXXX, XXXX, and XXXX to mitigate the negative situation. Numerous attempts with BOA failed to achieve any resolution. Will never do business with them again.
Product: Debt collection

Macy 's credit card is not creating a fraud investigation after several calls to the fraud and collections department, and continues to try and recover the debt. I last made charges on the account in XXXX of 2020, then in XXXX of 2020 several fraudulent charges were made on my account. Below is a brief timeline of the relevant events. 

-XX/XX/XXXX 2020 last legitimate charges made on the account. 
XXXX XXXX, 2020 first fraudulent charge -XX/XX/XXXX, 2020 last fraudulent charge
Product: Credit card or prepaid card

On XX/XX/2019, at XXXX XXXX, I placed an order for two doors from XXXX XXXX XXXX, Receipt XXXX. Sales person XXXX XXXX On XX/XX/2019, I cancelled the doors after discovering that the order only contained 1 door when I thought I had ordered two doors. I immediately notified XXXX and Elan Financial Services of the charge. They gave me an immediate credit but then applied the amount back to my card 30 days later stating that I had the merchandise. Obviously the salesperson cancelled the doors because they were never sent. Thus, I never received the merchandise and Elan Services for XXXX XXXX XXXX  refuses to give me credit for the {$660.00}.
Product: Credit card or prepaid card

On XX/XX/2021 I used my Thank You Reward points to partially pay for four nights at the XXXX XXXX XXXX XXXX in XXXX XXXX, New Mexico. The remaining balance due ( {$180.00} ) was charged to my Citibank Credit account on XX/XX/2021. We checked out early ( one night ) and the General Manager at the Hotel ( XXXX XXXX - XXXX ) agreed to refund us for one night ( {$100.00} ). Mr. XXXX stated that he could not credit my CitiBank Credit Card since I used rewards for the booking. Instead, he applied the {$100.00} credit to the CitiBank Reward Master Credit Card XXXX on XX/XX/2021. I contacted CitiBank on XX/XX/2021 and asked them how/when my credit card would be credited for the refund. They stated that they needed to contact the hotel directly to receive confirmation of the credit. They called me back on XX/XX/2021 and stated that they received confirmation of the credit by the XXXX  XXXX XXXX and that I would see the credit on my credit card in up to 3-billing cycles. I called Citibank on XX/XX/2021 to confirm that they were still planning on crediting my credit card since I didn't see any credit on my XXXX statement. The rep at Citibank stated that the credit would be applied on my XXXX billing statement. I received my XXXX billing statement today ( XX/XX/2021 ) and there is still no credit. I called Citibank again today and was placed on hold for XXXX minutes then I was disconnected. I called back, was placed on hold for XXXX hour and XXXX minutes and was disconnected. I finally got hold of somebody at Citibank and they stated that they needed to contact the hotel and receive confirmation that they applied the credit. I told Citibank that this was already done on XX/XX/2021 which they replied " they need to contact the hotel to receive confirmation that they applied the credit. '' Another representative at Citibank stated that it would be quicker to file a Billing Dispute for this matter. She then stated that it couldn't be done since more than 60 days elapsed from the time of the incident. I explained to her that I contacted Citibank the same day of the dispute ( XX/XX/2021 ) and that the 60 days ( system limitation ) should not apply. Her response was that there was nothing she could do and that I need to write a letter to the Billing Dispute Department. After 2 1/2 months of dealing with this issue, I have no confidence that CitiBank will ever provide me with a credit unless they are compelled by somebody of authority at the bank to provide me with my deserved credit. The lack of accountability, the lies and the fact that they would let me sit on hold for extended periods of time tells me that they have no desire to do the right thing and credit my account.
Product: Debt collection

I Have MGCREDIT reporting on an acct that is not mine. 
I asked to validate the debt, they sent me contract with no identifing information other than my name. No d.o.b. or last four of social. The only thing given aside from a contract is a signature ( see attached ) that is not mine ( also see attached )
Product: Debt collection

I am writing to file a formal Complaint/Dispute regarding the billing practices of XXXX XXXX XXXX and the actions of their third-party debt collector, Medical Revenue Services. Over the past XXXX years, I have experienced significant issues with billing inaccuracies and unfair debt collection practices which have caused me immense stress and anxiety. 

On XX/XX/XXXX, I received XXXX XXXX from XXXX XXXX XXXX. However, despite not receiving any notice, bill, or communication regarding the charges, my account was sent to a third-party debt collector, XXXX and XXXX, just XXXX days later. It took XXXX months for XXXX XXXX XXXX to realize their error in coding and to cease the harassment from their debt collector after my intervention with the Consumer Financial Protection Bureau ( CFPB ). 

In XX/XX/XXXX, I was again sent to XXXX and XXXX for an alleged outstanding balance, despite having established a payment plan and made all scheduled payments. I was informed by a XXXX XXXX representative that their system had experienced a " glitch '' and failed to capture all of my billing information due to a merger. Once more, no billing notices were sent to me, and I was unjustly subjected to debt collection. 

The most recent occurrence, on XX/XX/XXXX, involved the new third-party debt collector, Medical Revenue Services XXXX sending me XXXX bills via email for a total balance of {$580.00}, despite having paid this balance in full on XX/XX/XXXX. XXXX XXXX XXXX failed to communicate the payment information, leading to unwarranted debt collection notices. 

This continuous cycle of billing errors, lack of communication, and unwarranted debt collection has caused me severe physical and mental distress, exacerbating my existing health condition. I request a thorough investigation into XXXX XXXX XXXX ' billing systems and Medical Revenue Services ' unfair debt collection activities to prevent further harm to patients. 

I have also copied this correspondence to the CFPB, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX of XXXX XXXX 's XXXX XXXX XXXX XXXX for their awareness and action. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.
Product: Credit card

I am a victim of identity theft, someone has used my information to obtain credit cards. Capital one & XXXX credit cards. I 've been trying to dispute these litigations under me and have come to no prevail. Therefore here I am complaining on this board trying to get some justice. This is ruining my life emotionally and financially, credit means everything in this day and age and due to this heavy issue that I 'm confronted with I have horrendous credit. Simultaneously the collection phone calls have left me sleepless at night when in fact this is truly and genuinely not my cards. I hope this board can help me with my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

My only address is : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX All the other addresses are not valid and each one has to be deleted from my credit file. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have been trying for weeks to access my credit report and freeze my credit with Transunion. Every time, the website has not worked, and I call the number to freeze my report over the phone and their automated service does not even work. I continuously get stuck trying to give an end date for my freeze and it will not let me input a date even following their instructions exactly. 

There is a massive data breach going on and Transunion has made it nearly impossible for me to use their service online or over the phone, and it's incredibly frustrating.
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 in insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I have XXXX jobs where I work part time XXXX. I have went into work with a message that MCM company is looking for me and I need to give them a call back. Then couple days later but same week is when I have receieved a letter stating that my collection was now assigned to a new collection agency ( MCM company ). An attempt to collect letter. They have not call me or if they had, they were no message from this company. I was told at work they had call my work multiple times and now they are calling my fiancee. I do n't know how they even got his phone number! So they are making the biggest attempt to contact everyone BUT ME for my debt! My phone number have been the same since 2008. I have never ever felt so embarassed and harrassing. I felt like my own personal business is spreading because of this company. Many coworker are asking me what 's going on ...
Product: Credit reporting or other personal consumer reports

I have disputed the XXXXXXXX XXXX XXXXXXXX XXXX accounts and they still remain on my credit report. No documentation has been provided to me with my signature on it to verify these accounts.
Product: Credit card or prepaid card

I notified Target in late 2020 that this credit card was opened without my knowledge or permission and reported it as fraud but I have yet to hear back from them. My now estranged wife had used my social security number behind my back to open multiple credit cards without my permission. She is a con artist / serial defrauder and I have had to file for divorce because of this. I have severely and maliciously been defrauded by her. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. XXXX and XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX ) has recognized that I was defrauded and has deleted their entries from my credit profile. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020 in regards to this fraud. I have also found out that there are 7 other police reports that detail her as the suspect of fraud / theft.
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 and updated as soon as possible. 
XXXX XXXX XXXX late open XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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

I noticed a few inquiries on my report that I don't recognize and I called both XXXX and Equifax to have them verify and/or remove the inquiries. Both bureaus refused to verify and refused to remove the inquiries. 

The inquiries I don't recognize : XXXX XXXX XX/XX/2022 on XXXX XXXX XX/XX/2022 on Equifax XXXX XXXX XXXX XX/XX/2022 on Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023, I sent in a letter requesting for all accounts being reported to my credit profile to provide documentation proving that the debt belong to me and is accurate. As part of the verification, I requested the original contract signed with my wet signature and complete payment history from the original creditor. However, I received a mailed letter with neither. In accordance with the Fair Credit Reporting Act, the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C.1681 section 604 a section 2 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 the 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 or other personal consumer reports

I am writing to inform you that I am disputing erroneous information on my credit file. These accounts are violating my rights under USC 1681. According to Section 604 ( A ) ( XXXX ), a consumer reporting agency can not furnish an accounts without my written instructions. Furthermore, 15 U.S.C. 1681c ( a ) ( XXXX ) states that no consumer reporting agency may include any adverse items of information, other than records of convictions of crimes, that is more than XXXX years old. Additionally, 15 U.S.C. 1681s-2 ( A ) ( XXXX ) states that 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. 

The following accounts/items does not belong to me and was opened without my consent, permission, or authority : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Bank of America and XXXX XXXX should not be allowed to use the might of their " to big to fail '' status to deny accounts to gun manufactures, gun store or others based on the banks political view of gun ownership. 

While I support the right of smaller business to do these things, the very existence of the CFPB is do to the fact that these large financial institutions have a high impact on our country 's banking ability. 

They took billions of bail our money, as a taxpayer, that included from me. They are now heavily regulated because they were not good citizens. They should not be allowed to discriminate based on political values.
Product: Credit reporting or other personal consumer reports

I am aware that, despite customers providing precise information, your responses to numerous disputes, complaints, and challenges have been using pre-written standard form letters. I understand that this practice is unlawful because each customer complaint should be individually considered and addressed accordingly. 

My letters have been created using readily available software accessible to everyone. Choosing not to process or address my letters would violate 15 U.S. Code 1681i. Delays in processing consumer letters based on the assumption that third-party assistance may be available are illegal and do not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Failure to respond to my correspondence promptly will be interpreted as a willful disregard for my customer rights, and I will be compelled to involve my lawyer and pursue legal action. 

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted Metro 2 data field reporting standard, I have the right to dispute any information on my credit report that I believe to be inaccurate. It is crucial that all data in a consumer 's file is properly documented and validated before being made available for use by creditors. Therefore, I take this matter seriously. 

The allegations of delinquency and derogatory information against me are entirely false, and I am unwilling to accept any misinformation associated with my name and financial history. I am determined to fight back vigorously. The accuracy of your credit report is paramount. The listed allegations fail to meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would instill greater confidence in the accuracy of the information presented. 

It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that you know do not meet regulatory requirements is unacceptable. We must ensure that all claims are accurate and reported in the appropriate format mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with the utmost care and diligence. 

XXXX XXXX XXXX Charge-off {$15000.00} XXXX XXXX XXXX Charge-off {$4200.00} XXXXXXXX XXXX XXXX Charge-off {$5100.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a debt put on my TransUnion Credit report that isn't mine and I believe it belongs to someone else its from a company named XXXX XXXX XXXX and the amount is for {$7900.00}
Product: Checking or savings account

I received two XXXX payments from a known individual then discovered my card/account was frozen by trying to purchase something and the card declined. The bank did not notify me until days later that there was an investigation going on with my account. A reversal was made on my account in the amount of the XXXX transactions making the balance negative. The bank ( Chase ) told me to either contact the person who filled the claim to get them to reverse it or pay the money back. I asked how they can recommend the claim be cancelled after being approved, I asked wouldn't that be a fraudulent claim. They declined to answer and stated they could not disclose more information to me. I tried to file a dispute however was told not possible as the claim was filed with a different financial institution. I asked Chase to clarify that per the Terms and conditions of Chase XXXX users when a XXXX transaction is made between two parties with the same financial institution that a dispute can not be filed. Once i asked for more clarification I was told that they could not disclose any information about the claim to me. I then received a letter from my otherXX/XX/XXXXXXXX XXXX ) stating " per my request my account is no longer registered to use XXXX either sending and receiving money '' which is funny because I did not submit this request.
Product: Student loan

I can not list specific dates as I did not document them at the time however, on several occassions I have asked how my payments are being applied as it seems my loan amount has hardly decreased after having been making payments for almost nine years. I entered into the income based repayment option and have been making the same payment amount for almost that entire time. I was told on my last call the interest rate can fluctuate which was a complete surprise to me as that was NEVER mentioned when I entered into the program. I was pretty much told 'too bad '. What they are doing to borrowers should not even be legal.
Product: Checking or savings account

XX/XX/2021 XXXX they frozen my account because the person who wired the money used the wrong name. TD bank refuses to release the remaining balance they said im not entitled to it.
Product: Credit card or prepaid card

Someone has accessed my information on all of my credit cards. Then made large payments that were returned. I have told all companies repeatedly that I use 1 bank and only 1 bank. Several charges were in other states, debit cards obtained, loan applications and many other things.
Product: Credit reporting or other personal consumer reports

XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX BANK XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XX/XX/XXXX