23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, my home burnt down in the XXXX XXXX I contacted my mortgage company and filed a forbearance on my loan due to this. My forbearance was approved as of XX/XX/2021. A few weeks later, I got a notice stating my forbearance was canceled. I called back and told them of this error, they then stated they re opened my forbearance and it was all in effect again. I continued to get past due notices in the mail from them so I again called back in XXXX of 2021 to confirm my loan was still in forbearance and I was told it was. I called again on XX/XX/2021 to verify my account standing for a new mortgage I am trying to obtain. During this call I was told I was removed from forbearance again and my account is showing past due. They re submitted my forbearance to a manager to get it reinstated, however it still reported to my credit companies I was past due on my mortgage. I was in contract for another home already and this error from them ruined my family from being able to buy a new home and has made us remain homeless until this is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has  gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Vehicle loan or lease

Adverse action discrimination is against the law Consumer/natural person XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX GA XXXX ALLY BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : APP NR XXXX RE : APP NR XXXX RE : APP NR XXXX how are doing TO WHOSOEVER IT MAY CONCERN YOU BROKE THE LAW I am writing this communication in regard to an adverse actions after filing out a consumer credit transaction applications with XXXX of XXXX I was discriminated against in this transaction my rights have been violated by making an unlawful decision congress has made it clear and concise that that i the natural person can not be discriminated for exercise my right to extended credit matter what the situation is pursuant to federal laws for example 15 usc 1602 ( f ) the term credit means the right grand by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 

My consumer credit card account was used and I did not receive ANY benefits from this transaction Pursuant to 15 usc 1602 ( p ) unauthorized use of my credit. the term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 



Pursuant to 15 usc 1691a I the consumer the natural person the applicant has in good faith excursed my right under this chapter. To extend credit.

Pursuant to 12 cfr 1002 Equal credit opportunity act ( Regulation B ) so an and so forth I got the proof that I was discriminated against by ALLY Bank and for that your now criminally liable for violating these laws With these discriminable action ALLY BANK is now involved in racketeering, fraud and swindling. and so, on I am willing to let this go if ALLY BANK do the right thing and reverse this decision and combine all offers made in one sum for a new property If not, I will pursuit forth lawful action. 

ALLY BANK has 20 days to remedy this action or I will proceed with forth LAWFUL action. 



NOTICE IS COMPLETE UPON RECEIPT I TRIED TO CALL GOT VOICE MAIL TWICE THANK YOU YOURS TRULY XXXX XXXX Looking forward for your speedy correspondence
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 Experian 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 Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On my credit report this Vendor keep appearing as an open account. I never contacted nor applied for any account with this company. It was opened fraudulent. Company name Capital One XXXX Please assist in this matter. and Have this removed from all Three credit reports agencies. Please assist and block this vendor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Beginning of XXXX, I enter XXXX  and they ask me if i want to sign up for their rewards program to get extra savings. I agree, and they tell me that they would need my social security information. I've never really signed up for a rewards program before besides at some food places, so i thought this was standard protocol as i'm fairly new to credit itself and store reward programs. Without my knowledge, They charge the credit card and i finish the rest of the purchase with my actual debit card thinking i just got a discount. An hour later, i become aware of it being a credit card through my email. I immediately call XXXX XXXX and ask to cancel. They close the credit card but did not make me aware of any charges. This is recorded proof in the call that we had. Fast forward a couple months later. It's now may and i look on my credit report and see that i have months of interest and late fees charged on the account. I get a huge credit drop. 700 's to almost 500 's back to 600s. I call XXXX  they tell me theres nothing they can do. This is unfair as i'm already going through financial struggle, trying to keep my payments as timely as possible, and then i get XXXX  by this bank trying to XXXX  people into getting a credit card. 

( this call was recorded by XXXX. Aswell as my other ones. They did not let me access the call records, and just proceeded to hang up on me. )
Product: Credit reporting or other personal consumer reports

Reviewing my credit card at the online site, I noticed that my credit limit decreased from {$3000.00} to {$1500.00}. On XX/XX/2024 I called and spoke with a customer service representative and explained that my credit limit was deceased. I confirmed in the past 12 months, I was late making a payment once, this was in XXXX XXXX, the payment was made on the XXXX day after it was due. I requested to speak with the department that could listen to my complaint ; and honor my request to to appeal. I was told B of A does not have a department like that. I was then told that I would have to dispute the decrease with XXXX ; the credit bureau because they determined that my BofA credit limit should be decreased. I am disputeting this info. After my late payment in XXXX, BofA did a soft credit pull and because of adverse I formation on myveport ; BofA reduced my credit card limit, this is what I believe oppose to the info I was given ; that XXXX reduced my credit limit amount based on adverse info on credit. Then my credit limit was decreased from XXXX to XXXX ; my current balance at the time was XXXX ; so now my credit card utilization is at 90 % ; which is not a fair reflection of my credit report I Iwould like my account reviwed and my credit limit returned back to XXXX.
Product: Student loan

XXXX XXXX convinced me to consolidate my loans with them back on XX/XX/XXXX. XXXX XXXX ensured me that my payments were going to count towards the Public Service Loan Forgiveness Program. I did not know any better. I called a few times to ensure that my repayment plan would count toward this Loan forgiveness program and was assured that each monthly payment would count. I kept making payments to them until the Fall of XX/XX/XXXX. I went to the XXXX website and transferred my loans with them to enroll in a qualifying Income Driven Plan. XXXX XXXX was not honest with me and made me think that my payments with them were qualifying towards the Loan Forgiveness program. XXXX told me that none of the payments I made with XXXX XXXX qualify towards the Loan Forgiveness program. Either XXXX XXXX or XXXX lied to me. This is injustice. I am serving my country by working on counter-terrorism initiatives at a government agency and these loan companies are taking advantage of former students like me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, our debit card was used for fraudulent purchases totaling {$540.00} ( XXXX different transactions {$170.00}, {$170.00}, and {$180.00} ) at XXXX On XX/XX/XXXX and XX/XX/XXXX, Bank of America ( BOA ) issued temporary credits to offset the amounts and closed our debit card ( closed XX/XX/XXXX ). By letter from BOA XXXX XXXX department dated XX/XX/XXXX, we were informed that they were " unable to approve '' our recent claim. They also informed us in that same letter that the temporary credits would be reversed on XX/XX/XXXX. On XX/XX/XXXX, we faxed additional documentation to the BOA Claims Resolution department showing evidence that supports our claim. On XX/XX/XXXX, BOA reversed the temporary credits ( as they stated in the letter dated XX/XX/XXXX ) and left our bank account with a negative balance. On XX/XX/XXXX, we contacted the BOA Claims Resolution department at a phone number provided in the letter, and we were given run-around answers by the many people we talked to, many of which were rude and very unhelpful. They kept saying they couldn't reverse the credits and that they would send messages to the Claims Resolution department with the information we were sharing. One person ( who was the most helpful of all ) took note of the details that we provided about the case, and he said he was convinced that we should not be liable and that he was requesting that the money be put back into our account. He said it would be a few days. On XX/XX/XXXX, we were expecting the money to be back in our account, and to our surprise they had hit our account for another {$180.00}, now bringing our account balance more negative and totaling {$720.00} that they now owe us. Upon discovery, we contacted the XXXX XXXX department yet again to be give more run-around answers leading us to believe it might take 45 days for the additional information to be evaluated. We were also told that the bank would not be issuing temporary credits during the waiting period. Meanwhile, our account has a negative balance. 
We repeatedly asked for phone numbers or to speak with someone at the bank that could help us, and we were repeatedly told that the people in the investigation department were unavailable by phone. Really? How ridiculous that BOA would employ such a process. 
Details pertaining to the fraud are as follows : - the purchases were made at XXXX by someone at an IP address traced to XXXX- we live in XXXX, and we were traveling at the time in the state of XXXX XXXX provided copies of our airline itinerary along with debit card transactions that we initiated in XXXX while on our trip.
Product: Bank account or service

I asked XXXX Male official with Chase Bank should bring me to XXXX XXXX XXXX discuss with me in confrontation for opening bank account, I want XXXX male helps with me in banking service so I had difficult enrolling banking check account. I do not want be alone with difficult enrolling checking account, so I prefer that XXXX Male with Chase Bank official in high position helps working with me in Chase Bank procession that I need account number and routing number. XXXX Male Chase official did not meet with me in conformation, so I wait and unhappy with that I did not hear from Chase Bank. Why I had upset with someone did not show up. I felt bad disappointed with XXXX male did not show up .. I do not want alone filling out online and I do not want alone walking to Chase Bank that I am very afraid if there might or might not discrimanated against my appearances and XXXX ( XXXX ). I just horrible upset that I did not get {$750.00} and i was unhappy with XXXX XXXX XXXX. I do not want any XXXX worker at Chase Bank. I prefer XXXX Male works with me in ordering to open new account and I want XXXX male helps calling U.S. Department of Grants & Treasury in Washington, i had their contact name and business that allow Chase Bank Male official finds out and help me with routing and account numbers, give me Chase Bank Mobile, please please please please Chase Bank helps with me in opening account, possibilities.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX as Trustee who is recorded in court documents. Be advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights as we had asked to rescind loan under TILA VIOLATION as well as all assignments involved with our loan and we understand that this Law Firm is or has been designated as the Trustee over the property of XXXX XXXX XXXX XXXX Georgia XXXX your firm was given authority over this property then you should be well acquainted with all of the assignments listed in court documents such as we have stood on the premises of this proclamation yet there is no clarity revealed in the processes sent forward whereas 13 to 14 banks have been involved in this merry-go-round. In our files the loan numbers are as follows XXXX XXXX, XXXX XXXX, Bank of America NA-XXXXXXXX XXXX VA XXXX # XXXXAnd now we are told that XXXX is once again proclaimed to the party of the property. Yet we have received only 2 more notices of assignment changes and they are for BOFA MERRILL LYNCH ASSET HOLDINGS, INC ( NEW OWNERS ADDRESS XXXX XXXX XXXX XXXX XXXX, NY XXXX ) Now in relations to these assignments it is now a company documented by the Secretary of the State of Georgia first under XXXX XXXX and now XXXX XXXX as XXXX XXXX No. XXXX BOFA MERRILL LYNCH ASSET HOLDINGS , INC.XXXX XXXX XXXX XXXX ; XXXX XXXX, North Carolina XXXX XXXX 

We have irrefutable evidence that in XXXX our loan was paid in full by XXXX XXXX and was a resale exchange.XXXX  XXXX Litigation Specialist Bank of America in a written statement That we had a purchase money transaction, and it is evident from their review that the proceeds From this loan was consummated in XX/XX/2006, any extended right to rescind, even applicable Has expired pursuant to TILA Furthermore There is no evidence of a Mortgage documented on any of the 3 credit bureaus since XXXX file examined by FOIA. 

The National Justice Department has taken our case and have assigned a auditor involving the life of our loan and the suspicions of fraudulent activities concerning over the life of this loan.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against XXXX located in XXXX, GA., XXXX located in XXXX XXXX, FL., and Experian located in XXXX XXXX XXXX CA XXXX This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, XXXX, XXXX, and Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of XXXX, XXXX, and Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Debt collection

XXXX  and credit collections service says I owe XXXX dollars for lapsed insurance to XXXX. I got a letter from the DMV headquarters here in XXXX XXXX  and they told me the policy did not lapse because after my policy with XXXX  ran out, I picked up auto insurance with XXXX XXXX XXXX. I also have XXXX XXXX XXXX XXXX  due to XXXX from serving overseas in XXXX and I would know if I owe this debt or not. if it's not cancelled, I will have to get my state congressman XXXX XXXX XXXX involved in the matter.
Product: Credit card

Prosper is not reporting the account accurate. The settlement was put in place XX/XX/year>, payments were made on time every month since XX/XX/year>, per the settlement. Prosper was then paid off early on XX/XX/year> and sent me a text saying they got the payment. Per the settlement the account should be marked Paid and Closed, settled for less than full balance, closed per consumer request. 

I have spoken to Prosper and XXXX XXXX multiple times and have been misadvised by their agents multiple times, from being told the account was " Sold '' to no it's not " Sold ''. Then it was it will be updated on XX/XX/year>, but it's not updated. Regardless if it was sold or not the information being reported is inaccurate.
Product: Consumer Loan

this is going to Capital One auto finance - we have a loan with them for a vehicle first thing that happened we made a payment on line which was suppose to be free and was charged a XXXX fee which they would not refund -second is that will not take either one of oour debit cards for a payment - so we either mail it or go thru XXXX XXXX - third even though it states you can call them XXXX to XXXX at XXXX we can not get them to answer the phone - fourth the payments fell behind and about two weeks ago they came for the vehicle - my son called that same day and they gave him until XX/XX/XXXX to make a payment to catch up and told him they would add the holding fee to the end of the loan - we made the payment thru XXXX XXXX XXXX XXXX and when he called the next day to get the vehicle back they sent it to auction - told him he would have to come up with the XXXX holding fee now - they are saying they did not tell him that info when he talked to a rep two weeks ago and found out then what he needed to pay - it has been one thing after another with them -the last XXXX people he had a hard time under standing what they were saying -
Product: Debt collection

I am needing urgent assistance. Barclays consumer credit is dogmatic and more seriously, predatory and most unreasonable. Barclays is exploiting U.S. consumers ; and they are taking unfair actions-even when they are notified early on of serious issues. Specific to my case needing resolution right away please, I notified them apprx XX/XX/XXXX that I purchased cellphones for myself and a gift for my mother and sister. Immediately following, while I was trying on jeans at a nearby merchant, the bag with the phones inside was stolen. I reported this right away and the XXXX  XXXX manager gave me all purchase details, I reported to security, security referred me to the local XXXX police, the local police stated they were exceptionally busy with more serious cases and this needed to reported to the consumer credit card company. I then immediately reported this to Barclays. I was re-assured that they -with the XXXX XXXX company and the information that I provided to Barclays- in detail, could resolve this matter. They XXXX phone information also confirmed that I'd never activated or used either of these phones. Again back apprx XXXX. My parent took charge also and was equally. concerned and jumped ahead and made a payment so that I would not have a first payment default as I was working to build my credit. I enlisted many advocates to assist and to prove to Barclays we needed resolution. We did not know about the CFPB at that time. Barclays took very, very long and did not follow up-at all as they promised many times.. My advocates and I called and wrote in to Barclays, trying to resolve-still no resolve. Ironically, fast forward to XXXX, I am again a victim of their predatory collections and consumer mistreatment. Ignored, disregarded, misrepresented, pressured, feeling even hunted down, run over and disrespected -even with an offer resolve an apprx 48++ month old debt -when this should be dismissed or discharged. Especially, with the amount of time gone by, the current serious COVID 19 financial and economic impact on me and my family, their dishonest and non-follow up to resolve, their disrespectful, predatory collection techniques, their serious of bumbling errors and mishandling of the extensive information that I called and called and wrote in to provide to them, their unfair demands, threats and aggressive executions to collect on phones that I never ever used. Barclays clearly is using this collection technique to generate revenue for their company in the wake of this pandemic economy. They are ruthless. Even the letter that I am attaching from Barclays dated XX/XX/XXXX is a fraudulent misrepresentation. They state they " fully investigated ''. They did not. They have not. I gave them all, extremely pertinent and time sensitive information for research, investigation and so that they could resolve almost 4 yrs ago! How could they dare type and send a letter date XXXX? This further demonstrates their dishonest tactics. Please assist me towards getting this resolved, and closed out permanently. Please also closely monitor Barclays and take very seriously other consumers who file complaints on them as well.