23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke with someone from the the original phone number that told me to call to make a payment to settle my collection and when I called they told me I can not do anything through them I would have to contact the law firm in which my collections went to. When I asked if thag was the case why am I constantly getting spam calls and voicemail left from you guys then and not the firm that is the one in charge of the collection if you guys are not they told me they had no answer. So I asked them to stop contacting me and to have the law firm get in touch with me or for a way to contact them. They told me I could only do it through online and I told them they need to have someone speak to me directly or I will not be making any payment on the collection especially when it is so outdated and incorrect. Due to the fact that it sounded very inconsistent and weary. My phone brings up their number as spam calls and so I did not trust who I was even speaking to and they asked for my social etc. And yet they would not give me the information as to where I am supposed to even pay a debt collection.
Product: Debt collection

I am in a hurricane zone and advised of the situation. I told them I am trying to conserve energy until I can get power back. I advised I will get them paid as soon as I get my new card that was lost before the storm but they keep calling almost every hour. It feels almost like harassment in my already stressed time.
Product: Checking or savings account

Bank of America promised me a temporary credit after 10 business days of a pending investigation of two fraudulent charges on my account. 

I am filling this complaint with the expectation that BOA left me with, which is there will be a temporary credit for the two transactions in question no later than today.

Its on a recorded call, several agents say to me that after 10 days I would receive a credit, it has been 14 days ; 10 business days and I need them to keep their word.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against your organization for the persistent failures to correct inaccuracies related to both a late open account and a charge-off on my credit report. Despite numerous attempts to address and rectify these errors, my credit report continues to contain information that is materially inaccurate, causing significant harm to my financial standing. 

I have followed the dispute resolution procedures as outlined by your agency diligently, providing extensive documentation and evidence supporting my claims of inaccuracies in both the late open account and charge-off. However, your organization 's repeated failures to correct these issues are inflicting substantial harm on my creditworthiness and financial stability. 

It is essential to stress that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate late open account and charge-off on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
I hereby formally request that your organization takes immediate and resolute action to investigate and correct the inaccuracies associated with the late open account and charge-off on my credit report. If it is determined that these items are indeed inaccurate or incomplete, I insist on the following actions : Prompt correction of my credit report to accurately reflect my financial history and creditworthiness, including the removal of the charge-off. 
Removal of any derogatory or inaccurate information associated with these accounts. 
Provision of written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the swift resolution of these issues. Kindly assist me to correct or remove these accounts : XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/XXXX   - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was awhile ago i believe XX/XX/XXXX, XX/XX/XXXX, or XX/XX/2018 that i sent microbilt a letter stating i wished to have my consumer credit report frozen with them. I never received a report or letter stating it was frozen. Please freeze consumer report and or send me validation that it is frozen with your bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted All XXXX credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XXXX XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.
Product: Credit card or prepaid card

Received a prepaid card to be activated from Ohio unemployment benefits. Never worked in Ohio. I tried cancelling the card, but could not get through to a person via the number provided. Found a form to complete to report unemployment benefits received that did not apply for and there was no where on the website to submit the form. This was for my husband who is now deceased and I do not know how to cancel this card. 

The card was for XXXX XXXX and it was received from US Bank and the website provided was www.usbankreliacard.com
Product: Credit card or prepaid card

On XX/XX/20 I used my edd debit card through BofA on XXXX to get a room. {$130.00}. XXXX The hotel was closed so XXXX  cancelled the transaction and it went into a pending mode until it processed back in my account. Here I am XXXX/XXXX/20 and I have yet to receive the money even though XXXX  confirms they did their part. After a total of 7 hrs on the phone with claims I got no answers and no money even tough they claim to have it in their system. BOfA is stole my money and I demand answers. I'm broke nobody is doing anything to stop them. XXXX XXXX is my name and account is XXXX XXXX XXXX XXXX. XXXX does nothing to help and the people should rebel against this XXXX. We need answers.
Product: Credit card or prepaid card

I am writing today in hopes to gain your help. Presently I am working on examining my credit, paying down my balances, and pursuing better credit worthiness. 
You play a significant part in this procedure. 
I am inquiring about the account number referenced in this complaint. 

I see you have reported me 30 days late several times to the credit agency ( XXXX, XXXX and XXXX ) and I am writing this in order to get this remark took back. I had believe I had made all my payments on time, and if i remember correctly capital one closed my bank account that i used to make my payments to this account and i was enrolled in auto-pay and since my account was closed the payment was not processed, i am not sure about this but i know that i am usually enrolled in auto pay or i make my payments on time
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX # XXXX : XXXX XXXXXXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX xxxx # # XXXX XXXX XXXX XXXX # XXXX, XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of id theft, I do not recognize the accounts on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2018, I had the means to pay off a car loan that was past due. Due to my ex-wife not sending in her payments on time, the XXXX XXXX XXXX was approaching repossession status by the time I was finally able to get it back from her after our divorce. Once in my possession, I gave XXXX XXXX XXXX customer service a call. I informed them of the matter and that I was willing to pay the auto loan off in full in hopes of getting my credit score back on track due to the two-plus years of late payments that my ex-wife was responsible for. The customer service agent informed me that correcting those late payments would not be an issue and that all was needed was the payment in full. I agreed to pay the remaining balance in full early for the agreement. Between the dates of XX/XX/XXXX, XX/XX/2018 and XX/XX/2018 I paid a total of {$8700.00} in hopes of correcting the issues at hand. Once the payments were processed and were official, I called XXXX XXXX XXXX once again to get information on when my title would be mailed off and also the status of the correcting late payments. I was told by multiple customer service reps that, that was an issue I would have to take up with the reporting credit bureaus. On XX/XX/2018 I sent off goodwill letters via USPS to XXXX XXXX XXXX XXXX department and also the reporting credit bureaus. Also on XX/XX/XXXX, XXXX and also XX/XX/XXXX, I emailed XXXX  XXXX about the matter. I received a call from XXXX XXXX XXXX on the morning of XX/XX/XXXX informing me that they would not remove or update the late payments as paid on time. I have not heard anything as of yet from the reporting bureaus regarding the matter.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am submitting a formal complaint regarding inaccuracies in my credit report with Equifax that significantly impact the security of my identity. My credit report contains incorrect names and outdated addresses, which do not belong to me and which I have repeatedly requested to be removed. This information is not only inaccurate but also violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and verified information in consumer reports. 
These inaccuracies, if not corrected, put me at risk for identity theft and misuse of my personal data, as they provide unauthorized and misleading information about my identity. Furthermore, I request the removal of any previous addresses and names from my credit file, even if they are linked to a credit account, as required by law. 
My correct information is as follows : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Last 4 digits of SSN : XXXX I demand that the CFPB investigate why Equifax has failed to correct these details and ensure Equifaxs compliance with the FCRA. This includes promptly removing any unauthorized names and previous addresses from my report. Such outdated and incorrect information has no place in my credit history and directly impacts my financial and personal security. 
Thank you for your attention to this matter and for helping ensure that Equifax maintains only accurate information that correctly reflects my identity. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Ever since our home loan being switched to Mr. Cooper, we have had to call each month to request that they apply our funds correctly. Each month I receive harassing e-mails, text messages, phone calls, and voice messages throughout the work day stating we are late on our monthly mortgage payment. We are actually one month in advance of our payments ever since being moved back in XXXX of 2023. Our first payment was due XX/XX/2023 and to ensure that our payment would be on time started to make payments in XXXX. XX/XX/XXXX and then again at the end of XXXX to make the full payment for XX/XX/XXXX. Ever since making payments early and partially, Mr. Cooper has not been able to apply them to make a full and total payment each month and was being told each time I called to ask them to correct this, each representative, until today, has told me that it will be fine, they will make notes in the account and that there is NOT a penalty or issue with making early/partial payments. Today I was told that I am going to have this issue going forward and have to call EACH month, as the system does not apply it correctly. I tried to Confirm with XXXX XXXX at Mr. Cooper that I appreciate his honesty as this is the first person to state that this issue can not be corrected and will continue to happen and be harassed unless we make a separate account and hold the fund in our own account until we gather enough to make a full payment. Again, I reiterated that we are a month in advance of our home mortgage payments and was told that there is no penalty to making payments early or partial. He said I will continue to have this issue if I do not make a change. I shared that I am the customer and am doing my part to make my payments on time and early and I do not have thousands of dollars or access to their system to ensure my payments are being applied correctly and that is Mr. Cooper 's concern. I also am allowed to pay whatever amount I choose and whenever I choose. This is not something the company Mr. Cooper is to dictate to the customer. I have never had this issue with the previous lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX major credit bureaus, XXXX, XXXX, and Equifax, I have disputed several inaccuracies, I have not received any answers to my disputes. I have sent dispute letters in the month of XXXX and XXXX. it has been over 60 days and I have received no respone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX XXXX on XX/XX/2019 and the service manager was telling me about a product called XXXX. Only a soft inquiry. I could choose how long I wanted to pay Up to 12 months on balance after making initial down payment through my debit card for initial charge. I was approved for {$3700.00}. XXXX is Apparently through a bank called XXXX XXXX XXXX  , XXXX., I used the credit line to pay for my repairs. 
I received an email later in the day. It came with two attachments. One was a disclosure that says a soft hit will be done to determine credit limit. However, if I use the credit line, a hard inquiry will be made. The second attachment was a multi page loan agreement. It showed payments, that I paid XXXX  XXXX XXXX and not to sign the document until I agreed to everything. I didnt see all of this documentation until I received the email long after the transaction. When I read it, at the bottom it has my name printed and date and time I signed it. If I had known it would have pulled a hard inquiry and would be subject to Florida documentary tax stamps, I would not have proceeded. This has now impacted my credit by a hard inquiry, and now Ill have a small dollar loan that will look like a payday loan. That could give impression if I apply for credit I truly would want that I may have financial difficulties. This was very misleading. I do not think dealerships or anybody for that matter should offer a product like this without full disclosure. I was told to tap here on the tablet, tap there, sign here. I saw the TIL, but it didnt click that it was an actual loan. I didnt see any disclosures or loan details and items that are part of a promissory note until after I signed, I got home, and checked my email. I thought I had a credit line up to {$3700.00} and they just helped me figure out payments to have it paid off in 6 months. I Also found out that the debit card that I used to make up front payment will be used for auto debit for loan payments. I would never had agreed to that. I feel as if Ive been taken. Im embarrassed about this now, and angry, and feel used and suckered. This was very shady. This could be a good product if it was explained in detail by an actual lender, not the service writer at the dealership.
Product: Credit reporting, credit repair services, or other personal consumer reports

you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Student loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2018.
Product: Student loan

I am the cosigner for private student loans taken out with Sallie Mae ( Navient ) and XXXX ( serviced by XXXX ). XXXX was sued by the MA Attorney General and closed down because of predatory lending practices and misleading students. My daughter submitted a Borrower 's Defense to Repayment App for the federal loans in XXXX. That was held up in a lawsuit and was finally processed 5 years later. I have written to and spoken with reps from Sallie Mae, XXXX, XXXX, and XXXX, and asked for the same type of forgiveness to no avail. This is a right per the XXXX. Sallie Mae closed their file, but the loans are still on our credit report. XXXX XXXX took over as a debt collector for XXXX. Those loans are still on our credit report. The MA Atty Gen furnished us with a School Misconduct Discharge Application, which is supposed to aid in getting these loans discharged. Nowhere on this app does it state where to submit it. I have attached applicable information. Please help in getting them to the proper offices to have them processed and removed from our credit reports. Your assistance is appreciated!
Product: Debt collection

Ability Recovery Services contacted me on XX/XX/19. the representative did not disclose her name, company name, the recording of the call, or mini-miranda. She asked if I could make a payment and I stated no. She then hung up. I called back and requested to speak to a supervisor. I was hung up on. I called again and made the same request. I was told I needed to find something better to do and was hung up. I called back and repeated my request a 3rd time. I was told that just because i was a collector ( untrue ) I didn't know all the laws and was hung up on. I called again and the same request for a 4th time. I was told supervisors and managers were unavailable and was asked why I needed to speak to one. I informed the rep that I had been called earlier and not mini-mirandized and the rep had not identified herself or her company. The rep stated a supervisor or manager would call back within 48 hours. Ten days later, I have still not received that call. Ability Recovery Services violated the FDCPA. 

A complaint with XXXX  was filed. 

Re : Complaint ID XXXX ; Ability Recovery Services LLC Dear XXXX : The company responded to your submission and we are passing it along to you. The contents of this message are below or attached. Please respond to this message in written form within 10 days. 

The text of your complaint may be publicly posted on XXXXs Web site ( XXXX reserves the right to not post in accordance with XXXX  policy ). Please do not include any personally identifiable information when you tell us about your problem or in your desired outcome. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. XXXX may edit your complaint to protect privacy rights and to remove inappropriate language. 

Sincerely, XXXX XXXX XXXX MESSAGE FROM BUSINESS : This matter has been placed in a properly disputed status, along with credit reporting bureaus. The Compliance Department has been advised to pull all recordings for this matter and address the collector for reprimand and retraining. Our office will have a Supervisor contact to assist Consumer in resolving this matter. Thank you