23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This XXXX  company has now reopened my closed account that was {$0.00} completely paid off ( dispute from XX/XX/15 ), added the entire principal balance back ( XXXX ), and attempted to charge me 3 TIMES! They have me listed as a delinquent payment. 

I have given them 1 week before I take them to court, as this is strike 3. Please light a fire under their XXXX If this affects my credit I swear to XXXX.
Product: Credit card

I was reviewing my credit report and found a chargeoff for {$21.00} was reported, along with 60 months of XXXX 's for {$21.00} balance. I do n't have any record of them contacting me collections or otherwise. I feel like they may have bad email address and were only sending email notices. I was sure I had closed this account and had no balance.
Product: Credit reporting or other personal consumer reports

1. Allegations Against XXXX : Systemic issues, including : Failing to forward consumer-provided evidence to furnishers. 
Accepting unreliable responses. 
Failing to notify consumers adequately about dispute outcomes. 
XXXX. Impact on Consumers : XXXX allegedly did not correct or remove disputed items, even with evidence provided by consumers. 
This caused harm to individuals credit standings and violated federal law and consumer rights. 
XXXX. Consumers Request : The person in the image is requesting immediate corrective action from XXXX to address the disputed accounts and resolve the harm caused. 
XXXX. Publishing the Complaint : The individual is consenting to share their complaint publicly on the CFPB website ( with personal information removed ) to help others learn from their experience.

If youd like to take action, you can file a complaint through the CFPBs official complaint portal to address any issues you might be facing with XXXX or another credit bureau. Let me know if you need further assistance!
Product: Checking or savings account

I deposited a check using app and received notice that my funds would be available the next day so I schedule a payment for the next day. When I checked the status of my deposit the next day the check was hit with an 8 day additional hold. My scheduled payment went through and put my account in the negative. 
I reviewed my account on the latest scheduled day and without any explanation the money was still not available. The manager of the branch and the corporate help line have offered no explanation as to why my funds are still unavailable or when they will clear.
Product: Bank account or service

Abuse # 1 ) Every year for the past several years we have had to contact BofA and request that transactions never be paid for our debit card if there are insufficient funds in the account. And every year Bank of America resets our debit card so transactions will be paid regardless of balance and a {$35.00} fee charged. 

It is a violation of both federal and state law for Bank of American to alter a customer account in this way, against the customer 's continued requests not to, just to continually perpetuate the scam of {$35.00} transaction fees. 

Abuse # 2 Further, we receive an email immediately after the {$35.00} dollar fee is charged. An honest bank would send an email immediately but before charging {$35.00} stating there are insufficient funds should a customer want those transactions paid ( we do n't but other customers may ), in which case one could have the option of using another debit card or transferring funds immediately to BofA. Transferring money between accounts is instant and free and easy online or via an APP. This kind of abusive behavior by any bank, especially a national bank such as Bank of America, is absolutely inexcusable. 

If BofA is running this abusive scam with us year after year, they are certainly scamming and abusing other customers continually year after year as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( " FCRA '' ) Title 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to the following ; " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' As such, please provide me with the details as to how the trade-lines listed above were verified. Specifically, I am seeking information as to the following : 1. The identity of the person who you spoke to on behalf of the original creditor ; 2. Whether any communication with the original creditor was in writing ; 3. Whether a UDF form used or whether this was made through electronic automatic dispute verification ; 4. Whether you contacted the original creditor at the same address/phone number listed on my credit report ; 5. The date of the commencement of delinquency ; and 6. The specific dates when these accounts allegedly became delinquent, and specifically when said items will be removed. Please provide the above-referenced information for each and every creditor listed above. As you are aware, Section 1681i ( a ) ( 7 ) requires that you provide this information within 15 days. ( " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' YOU HAVE NOT EVEN RESPONDED TO THIS REQUEST. Because of your inaccurate reporting, I have been deprived of a mortgage loan with terms that are acceptable or affordable. Specifically in regards to  the following tradelines. Public Record US BKPT CT NJ XXXX Chapter XXXX Bankruptcy XXXX This bankruptcy is not mine delete it immediately Account XXXX XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it
Product: Credit card or prepaid card

I was in the hospital with XXXX for nearly 4 months they didnt know if I was going to make it or not. I have a Kohls charge card that I just got before I went into the hospital. I couldnt pay my bill while in the hospital so I had my mom call them and tell them that I was in the hospital and I was unable to pay until I got out. When I got out I went to pay my Kohls bill so that I could use it again and my credit limit was XXXX my balance was XXXX and they wanted {$450.00} to open my card up again I got it down to {$160.00} to pay them to get it caught up and ask them if my card would be in good standings and if I could start using it again and I was told yes because they put me on a Covid plan I then tried to use my card and it was declined I called back and talk to a supervisor and they told me they closed my account after I made {$160.00} payment I asked if they would re-open my account since I had become current and I was on a Covid plan and I was in the hospital prior to that and they refused I would like my account re-opened because it is current and compensation yes I would like compensation somehow
Product: Credit reporting, credit repair services, or other personal consumer reports

For three months I have been trying to access my Experian XXXX XXXX account. Ive called countless times and ticket number XXXX has been submitted multiple times, however I get no follow up on the issue and Im still unable to log on to the account. When I try to log in I get an error message " Oops, we're sorry! 
Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled. Call us toll-free at XXXX '' But I call & they say its a verification issue, but they still can not help me access my account. For more than 5 year there authentication system has been populating information that is not on my credit report and Ive been unable to obtain yearly credit reports online, but have to request them in paper thru the mail. This problem may have something to do with this issue. Please help me fix this issue so I can log on to my XXXX account and access my yearly credit report online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request the removal of a late payment entry from my credit report. Upon reviewing my credit report, I noticed that there is a late payment listed for Account : XXXX XXXX XXXX XXXX ] for the month of XX/XX/year>. I believe this entry is inaccurate and unfairly affecting my credit score.I have been a responsible and diligent borrower, and this late payment does not reflect my payment history accurately. I have attached evidence, such as bank statements or payment receipts, to demonstrate that the payment in question was made on time.I kindly request that you investigate this matter and remove the erroneous late payment entry from my credit report as soon as possible. Doing so will ensure that my credit report accurately reflects my financial responsibility and will help me maintain my creditworthiness.Please feel free to contact me if you require any further information or documentation to assist with your investigation. I appreciate your prompt attention to this matter. 
I want you to update the payment history on this account that is affecting my credit reputation and this account was paid in full with no late payments.
Product: Debt collection

On XXXX of 2022 I reviewed my XXXX credit report and noticed a closed collection account from a company referred to as CARFINANCE. I immediately wrote a dispute letter to the company and credit bureau XXXX, requesting validation of the debt. 

Since then, more than 30 days have passed and yet no response from the company has been received. Instead, in XXXX of 2022 I received an alert on my XXXX report of the CARFINANCE account being re-opened and a balance of XXXX reporting. I do not recall owing this debt from CARFINANCE and their lack of communication has caused great damage to my financial situation. 

CARFINANCE has violated my consumer rights by ignoring my requests to validate this debt. There has still been no attempt from CARFINANCE to validate this false debt.
Product: Debt collection

Comenity Bank has been calling friends and family on both their private and business cell phones despite the fact that they have a phone number with which to reach me. I have assigned all of my accounts to a debt settlement company, yet they continue to harass my friends and family.
Product: Debt collection

This company is calling my work, my relatives ( upwards of several repeated texts and calls every day! ) for a loan I dont believe I owe. They are leaving private information via texts to my relatives and at my work.
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. XXXX XXXX XXXX, Transunion XXXX XXXX, an 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 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: Debt collection

I paid off the loan with Possible finance back in XXXX. This account is still reflecting as past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter proving thaXXXX XXXX XXXX  account should be deleted from my credit report Experian has yet to delete this from my report I am going to get a lawyer to help me Sue XXXX XXXX  and Experian if you do not remove this from my credit report this information from XXXX XXXX is incorrect I want this deleted from my credit report immediately I have sent you the proof will and close the proof I have talked to XXXX XXXX XXXX and there will be a lawsuit if this is not delete it from my credit report. XXXX   has deleted this from my credit report if Experian doesn't delete I will have to sue Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to XXXX XXXX  unlawfully resubmitting a closed account under a new account number in which they themselves closed and reopened. The action I want taken is it completely scrubbed from my credit history the fraudulent information. The account started in XX/XX/XXXX and closed on XX/XX/XXXX by credit records. When it was opened the amount was {$44000.00} and when it closed it was at {$6000.00}. XXXX closed the account as of XX/XX/XXXX XX/XX/XXXXout the remaining balance reporting that I was no longer under obligation for this account. Then they reopened the account under another account number and resubmitted it to all credit bureaus. I reported to the credit bureau a dispute of the fraudulent activity and an investigation has begun. The investigation by XXXX XXXX was XX/XX/XXXX and by XX/XX/XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$3600.00}
Product: Debt collection

I requested validation of the debt  Capstone Credit Services Inc say I owe on   XXXX   XXXX   XXXX  .
Product: Vehicle loan or lease

Hi, I tried purchasing a vehicle and was denied because I was told that I already had one when I looked at my credit report it said I had a car loan with a company called koalafi I called koalafi and koalafi said that I had purchased furniture. I have never purchased any furniture. But all my credit report is coming up as an auto loan.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked both my XXXX and equifax reports and noticed a significant decline in my fico. I checked the details to see a XXXX XXXX / XXXX XXXX account that does not belong to me reporting late. That account is not mine and I have no responsibility for it. The account owner, XXXX XXXX, removed me as authorized user in XXXX. He has been incarcerated since XX/XX/XXXX and the card is being used fraudulently by other individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

CXXXX XXXX XXXX XXXX  showing negative for both Equifax and XXXX. XXXX XXXX stated they sent the letter of deletion to all 3 companies. XXXX now shows " account paid as satisfactory ''. This was an auto loan from XXXX, I was originally advised it'd be removed in XXXX, however, XXXX XXXX agreed to update so it wouldn't show as a negative. XXXX is the only one who made an update, not a removal though. I want this removed or updated so it's not a negative.
Product: Mortgage

We are the owners of XXXX XXXX XXXX XXXX , XXXX, CO XXXX. SPS is the current servicer of the loan being foreclosed. 

A foreclosure sale date is currently scheduled for XXXX XXXX, 2015. A short sale offer at a purchase price of XXXX was submitted to SPS last week. See the attached Contract and Short Sale Addendum. SPS also has the attached estimated HUD. 

SPS approved a short sale on substantially similar terms earlier this summer - see attached. Although the purchase price of that contract was {$XXXX}, the current pending offer represents the full BPO value that SPS received for the property. 

Yesterday, our short sale coordinator informed us that he was told by SPS " that there 's no way to postpone that foreclosure sale date because the offer is not under review in the investor wants to foreclose. " That is unacceptable. SPS has a cash offer in hand that meets its BPO value. We have approval in hand from the XXXX lender ( XXXX ) to accept the terms proposed on the HUD, which were previously approved by SPS. All we need to close is approval from SPS. 

If SPS takes this to foreclosure, they are choosing to foreclose on us instead of accepting a cash offer that meets the BPO valuation, and is in hand well before the sale date, which would deprive us of our ability to mitigate our losses by avoiding foreclosure. 

We need SPS to : ( 1 ) review the file they 're sitting on, ( 2 ) issue an approval, and ( 3 ) give us an ample amount of time to close. Both the Buyer and Sellers are ready, willing and able to close, except for the SPS approval. 

- XXXX and XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX. The letter stated that I have a Target Card from TB Bank USA and as of XX/XX/XXXX I owed {$210.00}. I take responsibility for missing a payment in XXXX of XXXX, I forgot I had used that credit card and did not make the payment. 

When I received the letter on XX/XX/XXXX I immediately paid the balance. On XX/XX/XXXX I received an alert that my credit score had decreased. I logged into my XXXX XXXX account ( they send the credit score alerts to me ) and saw that my credit score had decreased by XXXX points and it was due to missed payments for this account. 

I called both XXXX  and Target to ask for a " goodwill '' removal of this information as I paid the balance immediately upon receiving the letter and my credit history at this time will show I have not had missed payments in several years. Target informed me that I would need to contact XXXX about this, via telephone call on the morning on XX/XX/XXXX. They transferred me to XXXX. 

I was told by XXXX that they are unable to do anything and I needed to talk to Target. Here are specifics from the conversation with XXXX : ( 1 ) they received the information from Target on XX/XX/XXXX, ( 2 ) they are not able to send me any written information about what attempts they made to inform me about this balance, incident, payment, etc., ( 3 ) they sometimes make phone calls to customers but do not necessarily leave any voicemail messages. I did not receive any voicemails from XXXX, ( 4 ) they have no record about if they called me or not, ( 5 ) they stated they have no record about when they first sent a letter to me, ( 6 ) they have no information at all about my account because I had already paid the full amount. I spoke with XXXX XXXX between approximately XXXX and XXXX on XX/XX/XXXX If I had made a payment prior to XX/XX/XXXX my credit score would not have been impacted. I received no communication from XXXX prior to receiving the letter on XX/XX/XXXX. The letter is dated XX/XX/XXXX but, depending on what time of day the letter was sent, that left a total of two business days for the letter to arrive in my mailbox and for me to have time to pay the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed two phone calls to Experian credit reporting agency to dispute unauthorized inquiries in XX/XX/XXXX and two different representatives refused to delete this information despite it violating my FCRA rights. The following hard inquiries are unauthorized and should be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We purchased a grill on XX/XX/XXXX and paid to have it delivered. We asked the associate to please deliver one that was already assembled. He said he had several in the front and the back and it wouldnt be a problem. On Tuesday XX/XX/XXXX we got a call saying the grill was on its way but it was not assembled. We refused the order and asked that the grill be delivered assembled as initially requested. The representative said he would speak to his manager and see if we could receive the grill the next day or day after. He called back and said the grill should be delivered in a few days. We had an event planned for XX/XX/XXXX and wasnt able to facilitate is since we had nothing to prepare food on. Finally on XX/XX/XXXX they called and said they would be delivering an assembled grill. I called lowes in XXXX  nj where we purchased the grill from and asked to speak to a manager. A women claimed she was the manager. She asked me for my phone number and claimed she couldnt find the order. She put me on hold for XXXX minutes and never came back to the phone. I hung up and called back and asked for their manager XXXX XXXX, and I was transferred back to customer service only to be on hold for 15 minutes. No one ever answered. I requested a partial refund from the manager, and no one called back or tried to help. This is the worst experience I have ever had and will never ever purchase from lowes hereafter.
Product: Debt collection

A debt collector, Penncredit, continues to call my home telephone number regarding a debt that I do not own. They claim the debt is for my father, who has never lived at my home. I have stated that they have the wrong phone number and they continue to call my house all throughout the day, everyday.