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

I feel as if I was in involved in deceptive practices with chase Bank credit cards. I reached out to chase on XX/XX/XXXX trying to find resolution to my account. My account fell behind due to loss of income then covid 19 happened! The first representative offered me a liquidation program. This consisted of me paying {$530.00} to bring my account up to date. Which was stated by the first representative. Then I spoke to another representative and they said that the information I received was inaccurate. Then I was told that if i pay {$530.00} and a monthly min payment of {$170.00} that it will not bring my account up to date that its just reducing the cycles I was behind. Then I received a letter correspondence saying that all I have to pay is {$170.00} to be entered into the program. I called back to discuss the letter then I was transferred to a credit specialist who states if I infact pay the {$530.00} that it will definitely be reported up to date on my credit report. Lastly I was transferred back to a young lady who stated that my account would not be up to date until i pay {$540.00} and complete 3 payments of {$170.00} at that point my account would be up to date! At this point I don't know what to believe I feel their is deceptive practices happening and I would like this account to be removed from my credit report all together!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is FALSELY reporting " Serious Delinquency '' on my credit report when all of my accounts are in good standing and have been so for more than seven ( 7 ) years. This term is defamation of character and this false information affects my credit worthiness and credit score.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I have found inaccurate reports regarding alleged debts being of obligation to me. I have already address this issue with my XXXX reports in which they knew to delete this inaccurate information. For whatever reason XXXX and Equifax seem to believe they are above the laws and consumer rights protections and refuse to delete the inaccurate information being reported on my consumer reports. I would like it to be adequately clear that they are in clear and absolute violation of my rights as a federally protected consumer. I have made it very clear to them that these accounts should be deleted swiftly as XXXX did ; be clear that deletion is an admission to violating federal laws yet Equifax and XXXX seem to care not. If XXXX understood their violations and adhere to the remedy demanded easily any other reporting agencies should be able to understand the same. This will be my last and finally attempt to provided them this simple remedy for their violations against me before I seek litigation remedy. Being that I have made previous attempts for remedy that were disregarded and falsified as verified I will only allow 15 days for this remedy to be fulfilled. Equifax and XXXX both have been put on notice and instructed to provide me with the remedy due in which they were provided upt to 60 days to respond and each time they decided to use the entirety of the time available to again completely disregard the violations and falsify that the information has been verified. XXXX and Equifax SHALL DELETE the following inaccurate and falsified information listed below off of my consumer reports within 15 days from today XX/XX/2024 in accordance with the FCRA and CFR. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MUST DELETE all accounts listed above Equifax MUST DELETE all accounts listed above immediately. 
I document everything for the past two years while I've been gaining a better understanding of the laws in place to protect me. I will have my remedy one way or another lets not waste each others time here.
Product: Credit card or prepaid card

I have never missed a payment or been late with any of my credit cards. I have never been late with a payment to Bank of America.

Bank of America closed my account. I had XXXX points saved up that I had earned in the account.

Bank of America will not credit my account the points that I had earned.
Product: Credit reporting or other personal consumer reports

I received an email offer from experian XXXX weeks ago for a free credit report, and when I signed into my experian online account to make the request for the free credit report I was asked to provide to a card to keep on file. I used a debit card and on XX/XX/2024, there was an authorized charge of {$27.00} from experian. I called experian to dispute the charge and request a refund and the customer service representative refused to allow me to speak to a supervisor nor assist me with having my debit card removed from the experian website, and the representative kept on speaking over me and hung up the phone on me.
Product: Credit reporting or other personal consumer reports

Hard Credit Pulls on Trans Union and XXXX that were never authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY VIEW MY CREDIT REPORT AND I CAN SEE A UNAUTHORIZED CREDIT INQUIRY MADE BY XXXX XXXX  ON XX/XX/2023 I WANT THIS IMMEDIATELY REMOVE BY LAW FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

My legal name is XXXX XXXX my legal address is XXXX XXXX XXXX XXXX SC XXXX. 
on XXXX, XXXX  and Transunion they all have a variety of different names and addresses that are not mine. I work for XXXX county government located at XXXX XXXX XXXX XXXX  Georgia XXXX. 

I am request that Transunion, XXXX, and XXXX update, delete and report my information correctly or delete any and all entries such as wrong social security numbers, wrong addresses, wrong dates of birth, i want my credit report to reflect what is on my government issue identification. 

Thank you so very much.
Product: Credit card

I applied for Chase freedom credit card last month. But Chase informed me of my identity theft notice and declined my application. 

Please help me clear this issue. 
Thanks
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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: Mortgage

XX/XX/XXXX Bank of America, N.A. 
XXXX XXXX XXXX XXXX, DE XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

This letter addresses the deceit and re-modification denial by Bank of America, N.A. 

We filed a complaint with Consumer Financial Protection Bureau on XX/XX/XXXX against Bank of America, N.A. 
Bank of America reached out on XX/XX/XXXX and a request for a re-modification of our HELOC was requested. 
All requested paper was submitted in a timely manner. 
Received a call from Bank of America on XX/XX/XXXX informing us that our re-modification was denied. 
We requested an appeal and was denied, the reason being the Investor would not approve the re-modification. 
We were informed the XXXX  XXXX XXXX  ; XXXX was the investor. 
We tried contacting XXXX  XXXX XXXX, XXXX on XX/XX/XXXX at three different numbers, a recording informed us to send regarding our issue ( we were unable to speak to a live person ) An email was sent, and a response was received that they had no control over any approval decisions that was Bank of Americas, N.A. decision alone. ( see attached ) For the past 15 years we have made interest only payments with no portion going towards to the principle, on time every month. 
The paperwork also state that we were not eligible because the maturity date was past due. We tried to re-modify back in XXXX but did not receive the proper information or any paperwork. 


We feel Bank of America, N.A. is being extremely deceitful, deceptive, mis-leading and misguiding. Bank of America, N.A. and XXXX  XXXX XXXX, XXXX are pointing the finger at each other and no one is taking responsibility to try and resolve our issue. 
Bank of America, NA.s accusation that XXXX  XXXX XXXX, XXXX did not approve the re-modification Bank of America, N.A. states they did not investigate any other programs that we may be qualified for. 

This means we are where we started with no re-modification, threats of foreclosure and credit defamation if we do not pay the full amount of the HELOC by XX/XX/XXXX. According to the reply we received from Bank of America, N.A. any payments made will be accepted but will not stop the process We feel very strongly that our experience, with Bank of America Mortgage, N.A. has been malicious and not helpful. 
Their communication skills and customer services are simply unacceptable. My husband and I would really like to re-modify this loan so that we may start paying into the principal and eventually pay it off. 

Our goal is still simply to get this loan settled, so that we will still be able to live in the house that we have tried so hard to maintain for our family. If you need any additional information, please feel free to contact us at ( XXXX ) XXXX, ( XXXX ) XXXX, or email XXXX. 

Thank you again for your time and consideration. 

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

Someone is also using my information to open bank accounts credit cards ect and pre-qualified WILL NOT STOP I have opted out so many times I even had apartments looked at under my information and I'm not doing it I found numbers and addresses I didn't have or live at credit that was removed put back and nothing has stopped its still happening with reports and XXXX I'm getting mad and I can't even get replaced ss card cuz of this mess and when enter information for free reports it gets hung up on me after iv entered it and more false credit crap being reported still and blocking me from even getting snow tires this has to stop there is also 5 miss spelled forms of my name on it
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently seen an account on my credit report that I was unaware of along some inquiries as well. I've filed a report that I will attach below.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report an account that is inaccurate. The service that the consumer agencies provide I did not request or sign up for. The account listed as XXXX Account # XXXX has not been properly validated or verified as belonging to me. They keep responding that the information is verified but does not provide me with the documents or any information to follow up with which makes me believe that have not done a reasonable investigation. You can not keep responding verified but do not have the evidence to back it up. This will be my last and final attempt to get the consumer agencies to turn over the information or I will immediately sue each one and request whoever states this is verified to swear in under penalty of perjury that they did in fact do an investigation and were provided evidence which includes my wet ink signature.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. its my understanding that Equifax will investigate this account for me to ensure accuaracy Here is the account I am asking to verify as accurate : XXXX XXXX  account Number : XXXX
Product: Mortgage

I have been trying to get a modification from the company who holds my mortagage note, DITECH. This is my second request for action with your organization. My loan # XXXX. DITECH responded by sending me a request for documents such as my XXXX tax documents & Social Security/Pension income statement and 2 months proof of deposits. I responded by sending them the requested documents which consisted of a copy of my XXXX tax forms again on XXXX XXXX, XXXX. I also sent them a letter indicated that I do not get Social Security/Pension income and that I have been working fulltime for the last 20 years. They provided a point of contact which is never available. I would like to resolve this case ASAP so that I can get back on track with paying my mortgage. Please help me resolve this issue? thanks.
Product: Vehicle loan or lease

On XX/XX/XXXX, I modified ( refinanced ) my loan with Ally Financial. I was informed by Ally due to me modifying my loan that I would need to call and cancel the GAP insurance because it would not extend to the new loan. Once the old loan was terminated the GAP should have been returned to me in full for {$790.00} which was fully applied to my Ally account on XX/XX/XXXX. I called XX/XX/XXXX and asked for the refund, however I was told by Ally that due to a payment being currently owed of {$590.00} they wouldnt issue a refund for that amount, but that they would reverse the additional fees of XXXX. I was given case number XXXX, I was told to follow up in 1-2 business days. I called back XX/XX/XXXX and spoke with supervisor XXXX whom informed she didnt see any updates but would create a follow up on the case. She gave me follow up case number XXXX and told to call back 1-2 business days. I called back XX/XX/XXXX and spoke with supervisor XXXX whom said she would email the credit dept directly to get an update, she again said to call back in 1-2 business days. I called back XX/XX/XXXX and spoke with another XXXX whom said that they will not refund the money due to the loan not being paid off. I tried to explain that the loan was modified/refinanced so the previous loan was closed and the GAP dosent belong to them period. She refused to assist me any further. I want my full refund of {$790.00} at this point because Ally is NOT entitled to my funds by any clause in the modification/refinance.
Product: Credit card or prepaid card

There were {$30.00} rewards on my account in XX/XX/XXXX. I went to use my rewards in XX/XX/XXXX. They were gone from my account. I called customer service for an adjustment. They made a {$.00} adjustment. I called back, spoke to a supervisor and was assured it would be on my account on the next billing cycle. It was not, nor was it on any billing cycle. I have been calling them each month with the same script. In XXXX, they managed to get {$10.00} back. Today was my final call to them with them same story.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Cease and Desist Collection Efforts Invalid Debt Due to Charge-Off Without 1099-C Filing Account Number : Client Name : XXXX  XXXX To Whom It May Concern, This letter serves as formal notice that I am disputing the validity of the debt your firm is attempting to collect on behalf of XXXX  XXXX. According to my records, this debt was previously marked as " charged off '' by XXXX XXXX, and to date, I have not received a Form 1099-C ( Cancellation of Debt ), which is legally required under federal law when a creditor cancels a debt of {$600.00} or more. The absence of this form indicates that the creditor has not lawfully canceled the debt, yet your firm is now attempting to collect. Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have rights that protect me from unfair, deceptive, and abusive collection practices, as well as inaccurate reporting of debts. Your attempt to collect on a debt that was charged off without a proper 1099-C filing violates both the FDCPA and the IRS requirements , as it creates confusion about the true status of the debt. Your firm may be facilitating deceptive practices, and I am prepared to pursue this matter in court if necessary. Further, this collection attempt violates IRS regulations under 26 U.S.C. 6050P, which requires creditors to file a 1099-C when they have discharged debt. The failure to file this form indicates that your client has either not followed through with the legal charge-off process or is attempting to maintain the collection rights despite not fulfilling their legal obligation to report the cancellation of debt to the IRS and to me. In light of these clear legal violations, I demand that you cease all collection efforts immediately. Additionally, any further attempts to collect on this debt without first correcting the reporting to both the IRS and my credit report will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any applicable bar association regarding your unethical collection tactics. I will also explore all available legal remedies, including a lawsuit for damages, legal fees, and other appropriate relief under both state and federal law. I expect written confirmation within 30 days that you have ceased all collection activities and that your client has either properly issued a 1099-C or will remove the charge-off from my credit report entirely. Failure to comply with these demands will be met with aggressive legal action on my part.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted the company to request an account update. The representative provided information regarding XX/XX/XXXX, even though I specifically requested details for XX/XX/XXXX. Despite my repeated inquiries, I was consistently informed that the information provided was accurate. I want to emphasize that I made all my payments on time for XX/XX/XXXX. 

Additionally, I submitted documentation through the portal, as per their instructions, but the representatives refused to review my documents during phone conversations. They claimed to have received only one document, which, according to them, was unrelated to the dispute. However, I possess a certified receipt confirming the submission of both my bank statement and a copy of the payment history from XXXX XXXX to TransUnion. 

I also uploaded these documents through the Consumer Financial Protection Bureau ( CFPB ) portal, but I have been informed that TransUnion has no record of this documentation. The results I received from TransUnion did not reflect the necessary updates for XX/XX/XXXX. 

Given this situation, I am left with no choice but to consult with an attorney and consider taking legal action against TransUnion. This is imperative because I am currently in the process of purchasing a home and require accurate information to be reflected on my credit report. I would like to reiterate that XXXX and XXXX have already updated my payment history to reflect a 100 % accuracy rate, but TransUnion has thus far refused to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a real person and I am a natural person. I am a living human being and I have the rights under 15 USC 1681. Equifax, XXXX, and XXXX are governed by 15 USC 1681 and they are violating my rights numerous times. I demand the INQUIRIES listed below to be removed : EQUIFAX MORTGAGE XXXX XX/XX/XXXX, EQUIFAX MORTGAGE XXXX XX/XX/XXXX, EQUIFAX MORTGAGE XXXX XX/XX/XXXX, EQUIFAX MORTGAGE 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 
All these inquiries are unknown and I have never authorized them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by the federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. According to 15 USC 1681 : I have the right to privacy and I did not give any authorization or written permission to furnish these accounts on my credit reports. In accordance with the Fair Credit Reporting Act, the inquiries attached are violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 ) ( XXXX ) 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 ) ( XXXX ) 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. These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Debt collection

It comes up Discover Finance ... ... I do not own a XXXX card, never have.
Product: Credit reporting or other personal consumer reports

There are hard inquiries on my credit report that I do not recognize