23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX 2016 I again received marketing email from Bank of America ( yes it is marketing despite what Bank of America calls it ), with the subject " Oh sn-app. Check it out. '' In my previous complaint about this to CFPB, dated XXXX/XXXX/2016, Bank of America responded, " we have determined that the email you are receiving regarding the mobile application is not considered solicitation. As an online banking user, Bank of America considers the use of the mobile application as part of servicing our client 's needs. '' In their response, Bank of America went on to say " In consideration of your request, we have manually refused the option for the mobile application on your behalf on our system of record and this took place on XXXX XXXX, 2016, Please allow up to 48 business hours for the changes to be fully effective ''. However, on XXXX XXXX 2016, I again received this same junk/spam/garbage email with the subject " Oh sn-app. Check it out. '' Perhaps Bank of America has changed the definition of time itself. Their response was on XXXX/XXXX/2016. The next unwanted ( marketing ) email they sent me was on XXXX/XXXX/2016. Well let 's see - is the time difference between XXXX/XXXX/2016 and XXXX 2016 more than 48 hours? Apparently, for Bank of America, this time difference is LESS than 48 hours. 
Bank of America appears to be completely detached from what they say they are going to do to remedy my concerns, and what they actually do. Again, as I stated in my CFPB complaint dated XXXX/XXXX/2016, Bank of America has changed the definition of marketing email. NO OTHER FINANCIAL INSTITUTION I HAVE DONE BUSINESS WITH IN THE PAST 15 YEARS HAS BEEN AS PERSISTENT IN THEIR PURSUIT OF SENDING UNWANTED ( MARKETING ) EMAIL AS BANK OF AMERICA. But Bank of America, by unilaterally changing the definition of " marketing '', continues to justify sending this junk/spam/garbage email. 
If a client has told Bank of America they do not want this type of email, then obviously it does not meet their needs. I have told Bank of America I do not want this email. Many, many times. For over 10 years I have told them this. But they continue to send this. 
So at best Bank of America is full of themselves ( of course there is a better word than " themselves '' that would describe what Bank of America is, it starts with the letter 's ', but I want to keep this professional ). 
So for how many more years do I need to tell Bank of America that I do not want this email that they are sending me? Is n't XXXX decade enough for Bank of America to get the message? Obviously not. Bank of America knows they can get away with this 's ', and as long as they know they can get away with it, they will continue to do it. I can only imagine how the people who lost so much money due to Bank of America 's manipulations of the financial system over the past XXXX decades must feel.
Product: Checking or savings account

I used my Capital One account to receive around XXXX of money from my friends because I needed money to pay for my credit card and I sold some of my jewelry and shoes to them. 
on XXXX, Capital One restricted my account from any withdrawals. I tried to call the number they provided and they told me that it was because I used my account to do business with XXXX, which violated their definition of personal XXXX usage. I questioned that receiving money for used items was not defined as a business by the IRS nor XXXX, and Capital One told me that they'll review my account and probably close my account and give my money back by check. 
It has been 6 weeks and Capital One still hasn't returned my balance on my checking. 
The case reference number provided is XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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: Credit reporting or other personal consumer reports

I have followed all proper procedures in disputing these accounts. I have contacted the bank, and they confirmed the matter is resolved. I have also contacted law enforcement and filed a report and affidavit, which they have deemed valid. Additionally, I have contacted the credit reporting agencies, and both XXXX and XXXX have removed the accounts as required by law. However, Experian seems to believe I have not followed all necessary steps, which is puzzling to me. Despite submitting my claim to Experian for over six months, they continue to reject it, stating that my documents are invalid. I believe Experian is failing to meet their legal requirement to process the identity theft report. I have also reported the identity theft to a law enforcement agency and Identitytheft.gov, a federal law enforcement agency, and I request a thorough review of this case by the Consumer Financial Protection Bureau. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Consumer Loan

Purchased a vehicle in 2012 from a dealer in XXXX, PA who financed it through Autotrakk and at the time of purchased my Sister and I were told I would only have to keep it 18 months and could then trade it and this was XXXX of the main reasons I purchased the vehicle because I wanted to get my credit back to perfect and I did. I kept the vehicle more than 18 months with perfect credit and went to trade it and the dealer said I could n't trade it that I owed more that the vehicle was worth that 's when I learned that XXXX charged me {$4000.00} more than the vehicle was worth. I went ahead and bought the new vehicle and kept paying for the Autotrakk loan and put that vehicle up for sale. During the duration of the loan Autotrakk kept telling me this was a lease because I kept asking why I could n't get a better interest rate because my payment history was perfect and they kept telling me that it was a lease which was contradicting what the dealer told me. These people in customer service are all incompetent. They required you to do the service calls on the vehicle and they would tell you when they were due which was no problem cause that was paid for by them and I did everyone but when I would call to make my payments after a service call they would say you need to make your service call and I would tell them it was already done but the last service call I did the dealer did n't notify them I guess and when I tried to make my payment they refused to take my payment and I went off, those XXXX just ruined my perfect repayment history by not letting me make my payment. It is there responsibility to call the dealer and confirm the service call was made. The service call was done XXXX XXXX and that info is available right at the dealer. I told them to come get the vehicle or I would take it back to the dealer and they did the next day so this was a I voluntarily gave the vehicle back but still the loan was perfect credit but they turned it into the credit bureau as a repossession and now even thought all my debt is perfect credit and I have several credit cards I can not better better car insurance or even better credit cards with low interest rates because it lowered my credit score form XXXX to XXXX so I am suing them because they would not except my payment and how can you reposess a car with perfect credit. I will fight this and go to court to get this off my credit report. Stay far away from this company and do a XXXX search for Autotrakk and see all the complaints this company has they should shut this company down these people do not know how to do good business and I will put it on all social media platforms to warn people to stay away from this company.
Product: Credit reporting or other personal consumer reports

I noticed a unfamiliar pull on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my billfold at XXXX in 2010 and i recently reviewed my credit report and noticed someone using my personal info i have tried to dispute the accounts several times with credit agencies no response to help
Product: Mortgage

DITECH is committing mortgage fraud. DITECH is printing two invoices, from my account, in a single 30 day period with erroneous data. One invoice shows my payment on time and the second one does not. They use the second invoice to show the credit bureaus I did not make a payment, when in fact I have made the payment on time and in whole. DITECH is causing me harm and others like me. I want DITECH to provide to the CFPB what month I was late with invoices and bank statements, and I will show the bank statement and DITECH invoice that shows every single payment on time for the past 12+ years. Due to the fact, I have never missed a payment nor have I never not sent the whole amount as per the mortgage contract. DITECH is attempting to seize my property which has a large amount of equity and remove me from my home of 12+ years. DITECH 's reputation proceeds them as a crooked and fraudulent mortgage company. They are no better then countrywide, green tree and other crooked mortgage providers.
Product: Credit reporting or other personal consumer reports

I have disputed this account ( XXXX XXXX ) multiple times due to my ex husband was responsible to pay the debt per our divorce decree. NOW XXXX HAS REMOVED FOR MY REPORT ON THERE END AS IN THE ATTACHMENTS
Product: Credit card or prepaid card

I am Shocked when I reviewed my credit report and found late payment on the dates below : 30 Days late as of XXXX 2014 30  days late as of XXXX 2014 30 days late as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements
Product: Credit reporting or other personal consumer reports

A debt collection company LVNV Funding LLC is listed on my credit three times. They were listed twice on XXXX credit report and today another appeared back again today. This same company has 3 different reporting on my credit report. Two of them are with the same company XXXX XXXXXXXX XXXX  and I have also received a letter from another debt collection agency that one of these had been sold to another company. This company is also trying to collect on an account back from 1997. This one is not on my credit report but they have been emailing me about it. I dont think this company should be reporting three different accounts on my credit reports. And Im not understanding why and how they can delete one account and then add it back again. Im feel like this is hurting my score and the company is violating the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent correspondence letters to XXXX, Transunion, and XXXX. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. They are commiting fraud in my name.
Product: Mortgage

Nation star mortgage increased my note by {$420.00} saying my insurance was going to go up in XX/XX/XXXX so they had to get the money to cover the increase. Just talked around in circles trying to explain this is XX/XX/XXXX why would my insurance company call you and tell you my insurance was going up next year? XXXX!,,, I now pay {$1100.00} a month in escrow.. Ridiculous!!!!
Product: Debt collection

I received communication from a lawsuit company that protects consumers in regards to Velocity Investments " XXXX '' suing me. I was not notified nor was I severed with any legal documentation for this matter. I recently received a copy of my credit report and come to find out that XXXX negatively impacting my report. I did not authorize this account nor did I receive any communication in regards to this account. They violated my rights.
Product: Debt collection

Stellar Recovery INC is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Application ID XXXX XX/XX/2019 We're unable to approve your application Hi, XXXX. Thank you for your interest in the XXXX XXXX XXXX account. We're unable to approve your application because : A delinquent credit obligation ( s ), either paid or unpaid, was recorded on your credit bureau report. 
Please note, our decision was based in whole or in part on information in a report from the following consumer reporting agency : Equifax Credit Information Services XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Even though the reporting agency provided the information, it had no part in our decision and will not be able to provide specific reasons why we denied your request. 
Under the Fair Credit Reporting Act, you have the right to know the information contained in your credit file at the consumer reporting agency. You also have the right to a free copy of your credit report if you request it from the consumer reporting agency no later than 60 days after you receive this letter. 
If you find any information in your credit report that is inaccurate or incomplete, you have the right to dispute the matter by contacting the reporting agency at the address or
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts for the 3rd and final time. It is up to the credit reporting agencies to verify information inwhich they are reporting. Verifiable by physical and certified documentation. If my attempt shall fail this time by the credit agencies not accurately doing their job / due diligences then imma file a complaint with the FTC. I'm requesting that XXXX, XXXX and Experian to investigate this matter and to comply with providing me with all Method Of Verification that was done in this instant matter. I need to know whom spoke with whom, I need to know the date, time and method of communication used while investigating these accounts. What certified documentation did you see and whom all seen it. If I'm not priviledge to this information by request then by the laws written within the FCRA states that these accounts shall be removed/ blocked/ deleted immediately. 

Account # 1, XXXX XXXX XXXX XXXX Account # 2, XXXX XXXX Account # 3 XXXX XXXX XXXX XXXX {$950.00}  Account # 4 XXXX XXXX XXXX XXXX Account # 5 XXXX XXXX XXXX {$180.00}
Product: Debt collection

I am receiving robocalls from Maury Cobb Debt Collection via a XXXX ( XXXX VA ) number directing me to their toll free number. 
I am receiving credit reports as a result of the OPM breach and have had other credit reporting due to agency and military breaches. 
I consider these phishing expeditions and have seen reports on harassment sites reporting this group as engaging in these tactics. 
Is there anything that can be done to stop this predatory practice?
Product: Credit reporting or other personal consumer reports

They have wrong social security # and a name XXXX I never used.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am an XXXX XXXX member I buy things on XXXX all the time and the problem is the card that XXXX uses for its financial dealings which is Chase bank. I owed {$220.00} which I could have paid all as I have done in the future but I did not receive any paper bill, I switched to the paper bill because of being charged unknown items through the paperless bills and the auto draft payments, to monitor my debts I switched back to paper bills and deleted the auto draft. 
Without a bill, I knew I have bought some things and decided as I wait for the bill to send some money minimal of {$100.00} last month on the XX/XX/XXXX and this Month on the XX/XX/XXXX another {$100.00}. To my shock, the chase bank reported late payments and though I am paying more than the required minimum payments each month. 
This has really hurt my credit, I spoke to one of the managers and she said she can not help with the negative reporting even though its a lie I am paying money towards the owed bill of {$220.00}. 
I need it cleared from my credit report because I am paying double the minimal amount and paid it off. 
Chase bank does not care about its customers and is rated very poorly.
Product: Mortgage

I need to report CitiMortgage for not cooperating with me in trying to do a modification through the government program. I have been trying to do a modification with them since XXXX 2014. My file has been restarted numerous times, always with a new account rep every few weeks, which resulted in the ball being dropped numerous times. Then I myself had to restart the process of submitting documents. I complied and submitted hundreds of pages over the last 2 years and every time I am told they have " expired '' and needed to be redone ... I 've been told one time upon submission to underwriting the processor totally did not include one of my incomes on " accident '' so again I started over ... .I believe they do n't want to participate in this program ( Home Affordable ) but are mandated to do so they just make it to difficult to actually get it through and qualified. After working so hard on this file since XXXX 2014 I now am just giving up and I believe that is what they were waiting to happen. The process with Citi has been totally unprofessional, actually disrespectful to me, and impossible! I am beyond sad after trying for over 2 years that I just emotionally cant try again ... It has been a huge amount of time and energy and work on my end, which Im not complaining about, I realize that work needs to be put in for the outcome I was looking for, but not 3 & 4 & 5 times!!! 
The process they follow and the constant changing reps, to the timing of their getting the documents submitted has been the most unprofessional process I have ever participated in!
Product: Debt collection

Common Wealth Debt Collection in amount of {$1500.00} is a fraudulent collection due being a victim of identity theft. 
I now have fraud alerts attached to my credit.
Product: Money transfer, virtual currency, or money service

I completed a Zelle transaction for {$300.00} to XXXX on XX/XX/2020 for the purchase of a transmission. Per the link sent via text message, the business name is XXXX XXXX XXXX, XXXX XXXX XXXX, the phone number they are texting and calling from is XXXX. 
Said they did NOT receive my payment, XXXX verified twice that they did receive my payment. Rep I'd been communicating with name XXXX and XXXX XXXX demanded a send an additional {$300.00} in order for them to give me a refund. Refused to send transmission and refused to refund my money. I have filed 3 disputes with my bank and they keep saying the money was received by XXXX XXXX XXXX. XX/XX/XXXX disputes manager says this is a scam but they can not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account XXXX is reporting as paid and closed. Account was recently updated, and is now reporting negatively which caused a XXXX point decrease in my credit score with Equifax.
Product: Debt collection

Allied Interstate has been calling my families, friends, clients, former employers several times over the the past years. I have contacted the company several times, both in writing and phone calls, to contact only me and stop contacting anyone else. On XX/XX/XXXX they called my client 's number trying to get a hold of me. The call was forwarded to me and I hung up right away because it was inappropriate to call me at such places. I contacted the company back within an hour requesting that they stopped calling others except me and requested a debt validation letter. However, they company said that my account was already closed and there was no record of anything or calls with them! However, on XX/XX/XXXX, they called the same client again from XXXX. The same company that claimed I no longer have an account with them is continuing to harass others.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent all 3 credit bureaus certified disput letters along with sending alleged creditors the same letters all certified, 3 different accounts were to be investigated. I did receive names and contact information for verification on 2 of the 3 accounts being disputed, but never on one in the amount of XXXX , since I was given no evidence of my obiligation to pay these debts in the time given by FCRA requirements I sent another letter by certified mail XX/XX/XXXX urging all 3 bureaus to remove this debt before legal action was taken and still have had no response. And I was never sent my free credit report that was also requested in disputed letters.
Product: Credit reporting or other personal consumer reports

According to the FCRA ( Fair Credit Reporting Act ), under XXXX XXXX. XXXX ( Section XXXX ), a hard inquiry may only be made with a permissible purpose. I am disputing the inclusion of inaccurate inquiries on my credit report that do not meet the criteria under the FCRA. The following inquiries were not authorized by me, and I am requesting their immediate removal. These inquiries are in violation of my rights under the FCRA. 

Please conduct a reinvestigation of the following inquiries : XXXX XX/XX/year> This is a formal request under the FCRA that you investigate and delete the unauthorized inquiries from my credit report. I have enclosed a copy of my government-issued ID, proof of address, and a copy of the FTC Identity Theft Report for verification purposes.