23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I disputed two charges from XXXX XXXX in the amount of {$200.00} & {$190.00} ( charged on XX/XX/XXXX ). I attempted to resolve with XXXX and they never credited me before I then escalated to Bank of America. 

Two different times Bank of America asked for documentation which I submitted both times ( proof of writing that I canceled according the XXXX  guidelines ). The first time BOA just closed the disputes and took back the credit. I then called and reopened to which the agent said it was an accident. 

The {$190.00} charge was finally credited. The {$200.00} was not. On XX/XX/XXXX I received a fee for {$150.00} when I got a letter stated they were crediting me for that amount/ then giving me the additional amount to equal {$200.00}. That didnt make any sense AND I was actually charged! On XX/XX/XXXX I called BOA and spoke to a supervisor. She told me that was a mistake and would put in a request to reverse that, which would take 48 hours. Its been 2 weeks and its still not reversed! I also somehow overpaid a bill and BOA owes me {$610.00}! I told multiple BOA reps that Im waiting for the dispute and full credits to be applied to close my account out and get refunded at once. This has been horrible service and BOA is not correcting their issues! I literally have been on hold the hold time while setting up my account and filling out this form for the consumer finance! So much time wasted dealing with this!
Product: Credit reporting or other personal consumer reports

The XXXX reported I had an home mortgage in XXXXXXXX XXXX when I tried to take out loan XX/XX/scrub>XX/XX/XXXX I never lived in XXXXXXXX XXXX They also refused to give a copy of credit report since XXXX XXXX Credit scores outdated from all three credit bureaus XXXX XXXX Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/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 is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, 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  Balance : {$0.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$510.00} XXXX & XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$380.00}
Product: Credit card or prepaid card

I received a call from Captail One Credit card stating that the credit card my husband applied for ( which he DID NOT apply for ) was denied. My husband is having problems with fraud and has reported it, but now they have my phone number attached to my husbands account and are trying to get to my personal info.
Product: Credit reporting or other personal consumer reports

I want these inquires to be deleted because I did not authorize these companies to run my credit report. This fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX Account # XXXX {$1300.00} This is fraud on my credit report. 
This company has nothing in writing showing my obligation.
Product: Bank account or service

According to the Bank of America FICO score report, one of the key factors affecting my score is " Number of accounts with delinquency. '' On the same report, BOA states that they base this information on XXXX data, against which I have also filed a complaint. As per a BOA relationship manager ( after talking on the phone with their credit card department ), BOA can not do anything and they directed me back to XXXX. I 've spoken twice to XXXX customer service reps and they state that there are no delinquencies on my report and that I should go to BOA to resolve the situation. I have the credit reports from the three credit reporting agencies ; there are no delinquencies on any of them. Effectively, I 'm being bounced around the two companies with no solution being offered by either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed  XXXX   XXXX  a number of times with Equifax  XXXX   XXXX . None of them have done a full investigation. I have requested a FULL FULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a  FULL  investigation I demand that the results be made available to me within  Five days. This needs to be expedited, all   XXXX    CRA are in violation of the l aw. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to cause me harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, and Department of EdXXXX Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received emails from my credit monitoring service about a score decrease and potentially negative records being added. I went into my credit file to find out what the problem was. 

I found that a new collection account had been added to my credit resulting from XXXX attempting to collect a debt. I closed my account with XXXX in XXXX of XXXX. I personally took all of XXXX 's equipment I had in my possession to the XXXX   store located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX on XX/XX/XXXX. I was prepared to pay anything I possibly owed but I was told by the representative that nothing was owed on my account, and I was good to go. They said that XXXX bills are billed ahead of time, and I was paid up. 

Fast-forward to XX/XX/XXXX, I received the notification from my credit monitoring service that a record from SOUTHWEST CREDIT SYSTEM was added to my credit report. Not recognizing the charge, I called them to find out that it was from XXXX. 

Prior to this notification from my credit monitoring service, I received NO notification that I even owed XXXX anything. I called them and they could not tell me any details. They just told me that I had an outstanding bill. However, they did agree that it was strange that this attempt came out of nowhere, almost two years later. After multiple calls and attempts, I reluctantly paid the bill on XX/XX/XXXX, just to get it off my credit. My credit still has not fully recovered, and I'm still not convinced I really owed the {$220.00} that I paid.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed accounts that are not reporting accurately. I see some of my accounts that are showing random late payments when in fact I paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
I am concerned as i was not provided with the statements 21 days before the specified date as required under 15 U.S.C 1666b. 
These late payments are reporting in Violation of the Fair Credit Reporting Act and must be deleted. 

-Accounts and Dates : 1. XXXX  XXXX XXXX XXXX 2. XXXX - XXXX & XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX XXXX - XXXX & XX/XX/XXXX 5. XXXX XXXX - XXXX XXXX XXXX & XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX requested the negative item be deleted from my Transunion Credit Bureau and they are saying it takes XXXX days to remove. Based of FCRA it must be deleted within XXXX days and if requested to be deleted must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a credit card with XXXX XXXX in XXXX XXXX   after they upgraded my card to a type I didnt agree on. 

The balance was {$0.00} and had XXXX pending items when I closed this account. 

In XX/XX/XXXX. They had reported that my balance was {$1.00} and that I am past due. 
This is incorrect as my balance was XXXX and the account was closed XXXX XXXX has never sent me anything for this account. My login is inactive and when I call them and provide them with the account they say my balance is {$0.00}.
Product: Credit reporting

I recently brought a new house in XXXX 2015. After buying the house throughXXXX XXXX XXXX XXXX they sold to mortgage to XXXX XXXX. 
However, XXXX is displaying on my credit report, so it shows that I 'm payingon over XXXX dollars in debt. The house cost {$220000.00} and it showstwice on my report. XXXX has sent an control number ( XXXX ) the XXXX and Trans Union andthey have yet to correct the error. Since I have gotten denied credit because itshows I have to much debt. I request to have Primary removed or correctedASAP! Please assist me with this issues as the agencies have had over 3months to correct this error
Product: Money transfer, virtual currency, or money service

I used this company to send money to XXXX but when I sent the info to my relative so they could take the money out there wasnt any money. And now they said they were out of business but they would send me a check its been 2 months and i havent received the check yet. So now theyre are not returning my {$400.00} back. Nor did my relative receive the money. The company name is Sigue Corporation
Product: Debt collection

After obtaining a credit report, I notice Medicredit Inc added a debt to my credit file with no account number only the amount of XXXX was reported. 

Due to being in the state of Florida. I signed medical papers to protect my information from being reviewed by unwanted agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a used vehicle and financed through XXXX XXXX. In XXXX the vehicle was flooded in Hurricane Harvey. The vehicle was towed out of the water after sitting in the water a whole day. It was sent to XXXX XXXX XXXX for inspection. They pulled the wet carpet out the vehicle and broke it down for inspection. It took my insurance company 6 months to finally get to the car and they denied it stating that there was no sign of water in the car. Well if a car sits out 6 months I'm sure that is plenty of time for it to dry. From all the water lines and mold in the vehicle there was no way I was letting it go. I filed an appeal and that took months. When we went finally to chexk on the car it was gone and XXXX XXXX XXXX could not explain nor could XXXX XXXX tell me where the car was. I have tried to resolve this matter and they have yet to respond or communicate anything concerning the vehicle. I don't know if it has been sold, crushed, sent to auction or just plain destroyed. Statue of limitations and far exceeded their ability to collect and they still have this on my credit when they know the car was flooded and I have not seen it since it was picked up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00XXXX XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : 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: Student loan

I have had my student loan serviced by XXXX and then to Navient and I have not had the balance go down/decrease in over 9 years of repaying. I believe the accounting of the loan is being mishandled specifically by Navient and/or XXXX. I have spoken to representatives of Navient numerous times and they have not explained to me how this is possible. A representative told me he would provide the accounting calculations to me in writing and I have not received those documents. I have been paying consistently close to $ XXXX/mo for 8-9 years which should calculate to be about {$80000.00} however my balance still remains the same. In fact every month after making the payment of {$900.00} my balance goes up every month. I am in a " payment plan '' that is impossible to pay off therefore the agreement between Navient and I is unconscionable and fraudulent. I believe the CFPB should investigate my case fully to uncover the underhanded practices of Navient as I have been paying my student loans diligently for almost ten years and not getting any progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I retrieved a copy of my credit report on XX/XX/XXXX. I noticed that Debt Recovery Solutions , LLC had inserted 2 entries on my credit reports and failed to notify me that they were attempted to collect a debt. To that end, I sent them a dispute letter dated XX/XX/XXXX whereby I asked them to provide validation and not verification of the debt as well as any correspondence they allegedly sent. 

Debt Recovery responded by sending 2 bills that reflect the procedure for services allegedly provided to me. Upon receipt of this correspondence, I sent them a second dispute responding to their lack of validation of the debt. In my letter dated, XX/XX/XXXX, I requested that they provide a copy of the financial responsibility page as well as any documentation to reflect where I granted XXXX XXXX XXXX   permission to share confidential information for any services they allegedly provided. This is a direct violation of my privacy rights. Since this company has blatantly violated my consumer rights by not informing/notifying me of any alleged debt they were attempting to collect on my behalf and did not allow me the 30 days I am due by law to dispute the validity of their claim and also by reporting information on my credit report that they were not able to validate nor furnish the financial responsibility page or any documentation that bore my original signature. 

DELETE THESE ENTRIES IMMEDIATELY FROM MY CREDIT REPORTS!!
Product: Payday loan, title loan, personal loan, or advance loan

World Finance in XXXX Idaho is disclosing private information about my loan to the references I gave in my initial paperwork. Stating they are trying to collect a debt and what company they are with and all this information was left on a voicemail.
Product: Credit card or prepaid card

The card was closed abruptly and I was not allowed to communicate with them. Nor have I received a refund.
Product: Debt collection

On XX/XX/XXXX I received 40 calls in less than 30 minutes. And they are still coming as I wrote this. Its absolutely harassment. I dont go a minute without getting a call starting at XXXX XXXX and it is now XXXX XXXX. This is an awful way to conduct business, and is not following laws.
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  : Account Number : XXXX : Balance : {$21000.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$970.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1000.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

1.My credit report has a record of many accounts which has been paid and closed long time ago by credit card consolidation company2.Judgment record- account paid off3. My student loan was cancelled do to permanent XXXX. 
4. I have only XXXX credit cardI have nothing else on my recordPlease remove all bad recordThanks
Product: Mortgage

Several of our mortgages have been purchased by SLS, XXXX XXXX, CO. We are paying down our loans by paying extra towards principal. The company is not applying extra payment towards principal even though I have specifically requested this. ( The company says the payment center tends to " overlook '' these requests. ) They are instead applying the extra money to future interest and principal. They have told me I must send any extra payment to principal to a different address ( make a separate payment ) and that this separate payment will not be noted on my monthly statement. The only solution to this dilemma they offered was to allow them access to our bank accounts and take out the money themselves. We refuse to give that control to this company!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that this is my second attempt to send this FTC document regarding unauthorized credit inquiries. Despite the FTC report being valid, Equifax has claimed it to be invalid. This matter is now being forwarded to XXXX, and I request that you monitor this situation closely for any negligence towards my request. 

Request for Expedited Removal of Unauthorized Credit Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally request the urgent removal of unauthorized inquiries from my credit report, maintained by Equifax, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and following an unfortunate incident of identity theft that I have recently experienced. 

I discovered multiple credit inquiries on my report that I did not authorize. These inquiries are adversely affecting my credit score and may potentially have broader implications on my financial health. Under 15 U.S.C. 1681c-2 of the FCRA, which relates to identity theft, I am entitled to an expedited process in resolving issues stemming from such criminal activities. 

Attached to this letter, you will find a copy of the Identity Theft Report filed with the FTC, which details the nature of the theft and supports my claim of these inquiries being fraudulent. 

Given the clear evidence of identity theft and in accordance with the FCRA guidelines that mandate the removal of any information related to fraud from a consumer 's credit report, I respectfully request that the CFPB intervene to ensure that Equifax addresses this matter with the urgency it warrants. Specifically, I seek the removal of the unauthorized inquiries within five ( 5 ) business days from the date of this request, to prevent further damage to my credit and personal finances. 

Please find below the details of the unauthorized inquiries for your reference : I trust that the CFPB will assist in rectifying this matter swiftly. Please do not hesitate to contact me at XXXX or XXXX should you need any more details or documentation to facilitate the resolution of this issue. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance.
Product: Credit reporting or other personal consumer reports

The following credit card accounts currently listed on my XXXX and XXXX credit report was opened by the following banks without my consent or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX