23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

An old Bank of America card was last pa id  XX/XX/XXXX , yet w hen they charged off the card, forwarded it to  XXXX  and on to  XXXX , they did so adding an improper indication of a payment that never happened,  in  XX/XX/XXXX , wh ich is now also considered an open of account date for  XXXX . This action inappropriately punishes me allowing  XXXX  to claim my debt for a longer period. Under AZ state law I ca n't be sued passed 6 years of a debt 's delinquency date. This date has truthfully passed from   XX/XX/XXXX   but Bank of America colludes with their collection servicers to allow longer pursuits.
Product: Checking or savings account

XXXX The above number is the case number to my original complaint with the CFPB regarding Bank of America . 

During the early part of XX/XX/2023, my client XXXX XXXX and I inquired of Bank of America what their protocol is regarding his desl deposit funds received by him from the Treasury dept. The Bank of America representative stated that we would have to show POA showing me as agent, in order to facilitate tasks he ask of me. This was shown in branch and after funds were deposited. Shortly after, BofA suspended account activity. Then requested that I go in person to verify identity and have Bamk of America 's in branch representative send over the POA. This was facilitated on the XXXX of XXXX. I was informed that a decision would be made by mid XXXX. That came and went and nothing. I'd like to point out this fact. When a client and their attorney are awarded monetary compensation. Those funds are made payable to the client, however the attorney deposits said funds into their account and from there disperse payment to the client. So the banks logic on stating finds are third party is baseless. Also attached below are the banks guideline for POA usage amd its abilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to report a dispute with a credit bureau. I tried to dispute over the phone and in order to get to an operator you have to go through a verification process. I answered all questions correctly but, their system says I've failed the verification process, which is pure XXXX
Product: Student loan

I am writing to formally file a complaint against Navient for their deceptive practices, misrepresentation, and failure to provide accurate information regarding my student loan repayment options. As a borrower, I have experienced significant financial harm due to their actions. 

Navient misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable. Instead, I have been making payments that primarily go toward interest, causing my overall loan balance to increase substantially. This has resulted in a ballooning of my debt, which far exceeds what I originally borrowed. 

Furthermore, Navient has repeatedly misreported my payment status to credit reporting agencies, which has severely damaged my credit score. The misinformation provided by their representatives has delayed my ability to pursue more favorable repayment options, contributing to an overwhelming amount of accrued debt.
Product: Debt collection

I was a victim of Identity Theft and notified the debt collector of this and the only debt verification they sent back to me was a BILL. As the law states this is NOT significant proof of debt validation further more I have never received such bill and the name on the bill is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit report and received information from experian. On the report, Im listed as having an account that may be considered negative : Nissan- infinity. This was a lease car that I paid payments on time and returned car in on end of term date in XXXX of 2013. Account is listed as paid/ closed but I dont know why it is listed as negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these hard inquiries that is reporting on my credit report that I do not recognize. I did not authorize these companies to pull my credit report nor did I sign any documents from these companies to access my credit report. Please have these hard inquiries removed from my credit report. The Fair Credit Reporting Act has strict limit on who can check my credit and under what circumstance. The law regulates credit reporting and ensures that only business entities with a specific, legitimate purpose, and not members of the general public, can check my credit without written permission. So have these hard inquiries REMOVED from my credit report. These are the Hard inquiries : XXXX ( on XX/XX/XXXX ). XXXX XXXX XXXX ( on XX/XX/XXXX ). XXXX XXXX XXXX ( on XX/XX/XXXX ). I would like an update of my credit report after all of the hard inquiries REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX  XXXX NA Inquiry : XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
Product: Vehicle loan or lease

I was Paid XXXX XXXX up front for a vehicle just to ride off the lot and seemed legit due to all the personal visits and paperwork. The only odd part was that I noticed the car was parked in the back of the warehouse rather then being displayed in the front. I only was giving 1 set of keys and 1 license plate then was told that my bank denied me then accepted me. Ive paid up to 15 grand with 5 extra in repairs from 2 different mechanics who never got the job 100 % done. The check engine light remained on and was told tridents chewed up on the electrical.. the car was stolen or fraudulently sold to me and the scammers were all in cahoots. I later got into an accident after an unauthorized toll company tolls my vehicle then returns it back to me. XXXX pd sanctioned the toll but claims that I didnt need to get a clearance. I get my car back after paying another XXXX and then the car breaks go out. Several issues and several assasination attempts but Im still blessed to speak about it. Wellsfargo who is my investor are obligated to have a car like that insured but from what I see now is Ive been getting scammed left and right. On top of that my accounts gets wiped and several in authorized accounts have been opened. Seems like my own family are out to get me and steal from me. Wellsfargo denies it all but Im just being patient the data dont lie ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for this to be investigated numerous times, XXXX XXXX ACCOUNT XXXX on the last investigation the 30 days ended XX/XX/XXXX.. 

I wanted to to re dispute adding my FTC identity thief paper work. I tried fax it in the line was busy ... so i went on the web site AND SOMEONE RE OPENED THE DISPUTE XX/XX/14 SO NOW I CAN NOT ATTACH MY FTC PAPER WORK! 

I did not request for this to be reopened until i supplied my more paper work! 
now I can not add it AT ALL according to the rep i spoke to i have to wait 30 more days to reopen and add
Product: Mortgage

I supplied new homeowners insurance that is significantly lower than the previous policy. This was back on XX/XX/year>. I have requested twice now that perform an escrow analysis in order to reduce my monthly patyment and to get a refund from my escrow account. 
I have tried to reach them via phone and it is pretty much impossible to get a live person to assist. Ive reached out to them twice by email- no responses.
Product: Credit reporting or other personal consumer reports

I am submitting this new complaint due to the results from the last complaint and the error was not corrected. I am submitting this in hopes Of Founders federal to reverse late fees that were being reported on XXXX XXXX XXXX- XXXX XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX XXXX XXXX Founders Federal Credit- XXXX XXXX XXXX I have a great payment history with Founders federal and do not recall ever being late. Federal founders is reporting XX/XX/XXXX and XX/XX/XXXX as both being 30 days past due with is inaccurate reporting. It is the duty of the CRAs to ensure all information is being reported correctly. 

Furthermore, the CRAs stated the company sent proof that the payments were accurate and verified which I have yet to receive any documentation and or proof. I am hoping I can resolve this matter with XXXX XXXX. As a courtesy I am asking that the late payments be reversed as paid as agreed and they are hindering me from getting approved for other credit.

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

You have failed to follow the laws and provide proper documentation in regard to the validity of these late payments. If I can not get these its reversed to paid as agreed my next course of action will to submit a complaint with the attroney general.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a dispute with Citi Cards regarding a fraudulent purchase made in the amount of {$370.00} on XX/XX/XXXX with a XXXX XXXX XXXX XXXX XXXX. The Case ID is XXXX. The dispute is still ongoing and despite having more information that would help them decide in my favor. However, I called in and was told by a customer service agent that the merchant is claiming that I would have to send in a document explaining why the merchandise is defective. 

However, I was informed that I would have to find the document that would allow me to dispute this claim under notices and letters in my online account, dated XX/XX/XXXX. When I followed the customer service agents instructions to get there, the last notification was received on XX/XX/XXXX. 

I then was routed to a number of different customer service reps that have failed to find this document which will allow me to appeal this decision. Theyve already decided that I am liable for {$370.00}, which my tracking information XXXX XXXX XXXX XXXX XXXX & XXXX ) shows was received back by the merchant on XXXX XX/XX/XXXX at XXXX XXXX 

This feels like a scam that CitiBank is conducting, and they have already decided that I am liable. It feels like they are giving me the runaround to erroneously charge me {$370.00}.
Product: Debt collection

ATTEMPTING TO COLLECT ON A DEBIT THAT IS NOT MINE/INACCURATE. DELETE, REMOVE AND DO NOT REPORT, RE-POST OR SELL. SEND PROOF OF CONTRACT BETWEEN ME AND COLLECTION COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$2700.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$920.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1500.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1700.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$980.00}
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation. The result of the investigation mailed to me did not counter my dispute. Please see attachment. This account was opened on date XX/XX/XXXX and closed on XX/XX/XXXX. There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, this is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. TransUnion failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. Moreover, the payment history from Transunion is not the same as the one from XXXX. Please see the attachments. I am demanding a deletion of the account name : XXXX XXXX XXXX XXXX
Product: Credit card

Hello, I originally signed up for a chase credit card in XX/XX/year>. My account was closed due to identity issues but I sent in my information and it was re-opened. 

However, I am having trouble registering an account online again as it says my new re-opened account number is still linked to my old closed account. 

I have tried contacting customer service but they can not see it linked to any username and the fraud department keeps saying they'll contact me back but never do. 

I just switched over my business over to Chase but its very difficult to use my new card if I can not access it online. 

Thanks,
Product: Debt collection

I had a membership with XXXX XXXX  XXXX XXXX. When the pandemic Covid-19 began due to hardship, I contacted XXXX XXXX and cancelled my membership. The theme park was also shutdown and I had not used my membership or been to the park for many months before then. A few weeks ago, I received a call from Associated Credit services trying to collect XXXX from me and have repeatedly been contacting me. I immediately contacted XXXX XXXX XXXX  XXXX who opened a case regarding this issue! Case # XXXX. I have yet to receive anything in writing from this collection agency in regards to this debt but several calls. They are supposed to send me in writing within 5 days of contacting me which they never did. I do not owe this, I cancelled my membership and believe this is Fraud and taking financial gain out of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innaccurate items are being reported on my credit report. It was brought to my attention and I took action over 90 days ago and there still is nothing resolved!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunington Branch Manager XXXX XXXX has been purposely sending out false news & information to the public. He has been threatening me and harassing me by the way of social media and text messages. I have told him numerous of times to stop and for him to call me about the situation so we can settle whatever claim he has. He also has my bank information with Hunington Bank to look into my account and has been bragging to other about the power of connections he has and has over me & what he is capable of doing to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Said they havent received any paperwork from me to correct errors and the reported inquiries are not authorized.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for this lone online they called i asked questions and now the information is different. 

It seems for XXXX dollars loan I am paying XXXX  dollars and that should not be legal. 

I need assistance reviewing this company and knowing if they are following legal policies and procedures.
Product: Mortgage

On XX/XX/XXXX, I, XXXX XXXX, submitted forms via email and physical mail requesting our PMI be removed by the mortgage company on account of having the required amount of equity to remove the PMI. The mortgage company replied by demanding they assess the property value with an XXXX of THEIR choice. While researching the legality of this, they sent a second letter denying our request, roughly in line with the same time that our property taxes increased to an impossible amount and XXXX XXXX assessor deemed our property had increased by over 68 %. We purchased the home for {$260000.00} with a {$20000.00} down payment in XXXX and currently owe XXXX but the assessor deemed the property {$380000.00} this year. It was especially disheartening to get the rejection contesting my property taxes the same day as the mortgage company denied removing PMI, and now I'm faced with being forced to sell my house because my expenses so drastically exceed my income. I have XXXX children and my wife works in XXXX, but due to inflation, our mortgage company committing PMI fraud against us, and XXXX XXXX assessor ballooning our taxes, I have to take my family and go rent. This is the American dream?
Product: Debt collection

This bill belongs to my ex wife for her child, XXXX XXXX who is not my child. The military allowed step children to be on my insurance. This DOES NOT make me responsible for her bills. Her parents, XXXX XXXX and XXXX XXXX are responsible for this bill NOT ME. We were separated and preparing for divorce at the time. I never signed taking responsibility for her bills other than providing insurance coverage for her as allowed by law. Allowing the childs mother to put me as being responsible for their child does not make me legally responsible for their bills. 

There are XXXX accounts for this child that have been sent to collection in my name! I want all XXXX removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of inaccurate and/or complete information in consumer report. 

To whom it may Concern : You are reporting inaccurate and/or incomplete information concerning me in my consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following alleged Public Records you are reporting concerning me is inaccurate and/or incomplete, and also unverifiable by you. 
Bankruptcys number : XXXX Bankruptcy number : XXXX First, I contacted the Court of Record you listed on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached letters ). 
Secondly, I contacted XXXX and informed them of their errors and in reporting and they responded with a letter deleting any and all Public Record notations. ( See attached letter ). 
Third, I contacted PACER case locater.gov ( The official website of The United States ) for public records for bankruptcies and no records were located or filed under my name. ( See attached letter ). 
Therefore, you could not have possibility verified this information and request that you delete the alleged Public Records and provide me an updated copy of my consumer file. 
In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in you consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested to comply with federal law.

Im demanding all Bankruptcy information currently showing on my consumer report be PERMANENTLY DELETED immediately. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

*****BEWARE EXPERIAN ARE THIEVES, DONT USE CREDIT MONITORING******** *****BEWARE EXPERIAN ARE THIEVES , DONT USE CREDIT MONITORING******** Hello, Compliant Against : Experian Credit Monitoring Cancellation Service I did a free trial for the Service about a year ago, I have been 9 months attempting to cancel the service ... I have even gone to the extent to Report my credit card stolen and been issued new cards with new numbers and they continue to bill my account. I have attempted to cancel via ALL the experian contact methods. Experian website has the following contact info to cancel but no one person answers and their automated system is unable to cancel. They say login to your experian credit monitoring account and go to member services and you should be able to cancel, ONLY to find that instead of cancelling they want you to upgrade. In the name of our Great President Mr. Trump " VERY VERY '', FRUSTRATING! I need help because these people at experian at this point are just a bunch of thieves because they have no intent to allow the consumer to cancel the service via phone or internet. PLEASE HELP! SOS! 
EXPERIAN CONTACT WHICH DOES NOT WORK XXXX Hours of operation : Mon - Fri : XXXX XXXX - XXXX XXXX PT Sat - Sun : XXXX XXXX  - XXXX XXXX PT *****BEWARE EXPERIAN ARE THIEVES, DONT USE CREDIT MONITORING******** *****BEWARE EXPERIAN ARE THIEVES, DONT USE CREDIT MONITORING********
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )