23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im just wondering when you guys will decide to finally update my XXXX account To reflect the correct balance. XXXX sent out the report about XXXX weeks ago on all XXXX cards, you finally updated XXXX out of XXXX, but still REFUSE to update the card that had a 100 % utilization with a {$13000.00} balance. Ive paid down the balance down {$6400.00} which significantly improves my score since its now under 50 % utilization. But because of this refusal to update Im unable to proceed with my MORTGAGE application. All other bureaus have updated this info since XXXX weeks ago, why does it take you so long to fix or update information that are favorable to the consumer? Whats the gain in it for you? Please advise.
Product: Debt collection

ARS - Account Resolutions of XXXX XXXX XXXX XXXX, FL XXXX has refused to VALIDATE a debt that they ALLEGE that I owe. I also believe that they are in violation of HIPPA as they are alleging a medical debt and I have never hearf of these people prior to this and have not been provided with proper documentation as required by law. I have also never signed a HIPPA release with this company. They continue to report this debt without any account level documentation, and I have sent requests 3 times. They are illegally reporting information about me.
Product: Credit card or prepaid card

Hello, I have had a Bank of America credit card since 2017 that I used to pay for college. I have finally paid it off completely, and the company keeps charging me " {$1.00} '' interest fees even though I am already completely overpaid. 

I also am not getting an answer on the phone. I would like to get my overpaid amount back and close the account if possible. Or use a different service that does not try and charge fraudulent interest fees. 

I am trying to get out of college debt. A few dollars here and there because rich people in finance are in severe credit card debt doesn't matter to me. I know how to handle my money and make money. I am not going to cover these financial firms throwing the United States of America into the hole.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went through a loan modification with Bank of America and was told that if i completed the six year modification that all negative comments would be removed from credit report. i have tried to resolve the matter several times.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I leased a XXXX XXXX. Two hard checks were placed on my credit report instead of only one. 
One from XXXX XXXX and another from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reviewed my credit report that reflects a credit card with {$4000.00} charges. Due to the interaction and issues with the card, I would not use the card. After 10 years, I did not remember the card with a XXXX balance until XXXX. However, XXXX XXXX formerly XXXX XXXX XXXX XXXX XXXX manipulated information to extend credit reporting history. In additional, XXXX appears on my XXXX Credit Report but sold the account to Elan Financial fraudulent charges for collection. On my XXXX Credit Report, Elan Financial Services added the same derogatory information to force me to pay the fraudulent charges. I have made any payments to XXXX XXXX, XXXX nor Elan Financial Services there should not be a payment history. Due to their unethical way of keeping the credit card fraudulent charges on my credit reports, theyve manipulated dates, payment history, closed dates and the creditor thats holding receivable. It has been over 7 years for the credit card anyway and should have been removed from all credit reports in XXXX or XXXX. Again, manipulating dates and payment history extends their credit reporting ability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 16811 ), I am practicing my right to challenge questionable information that I have found on my credit report. I previously request debt validation via certified mail and advised that I am a victim of identity theft. Your office failed to respond to my debt validation request. For the record, I have no knowledge of this account. I am a victim of identity theft and did not open this account.

I am requesting that this account be removed from my personal credit report, as this account was opened fraudulently. I have placed a fraud alert on my credit profile to prevent this from happening again. Please restore my credit back to good standing by removing this account ( XXXX ) which I did not open.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I set up an account with XXXX XXXX XXXX ( aka XXXX XXXX ) I deposited money onto an account that I would use for the total purpose of communicating with a loved on. Deposits were made on XXXX {$35.00}, XX/XX/XXXX - {$25.00}, XX/XX/XXXX - {$20.00}, XX/XX/XXXX - {$20.00}, and XX/XX/XXXX - {$20.00}. 
Since I had not used the account I contacted the company in XX/XX/XXXX and then again on XX/XX/XXXX and requested a refund. I was then told I only had {$52.00}, when I deposited {$75.00}. So I requested my refund on XX/XX/XXXX and was told it would take 30 days. Well today is XX/XX/XXXX and I contact the company at XXXX XXXX. Spoke to a representative named XXXX who stated that the check went out on XX/XX/XXXX and I stated that could not be because I never received it. I verified all of my credentials during the authorizarion process and then was told that I needed to provide a picture ID in order to receive my refund. Mind you, when they took the payment from my debt card no picture ID was required and now I am told I need to provide a picture ID in order to get my refund. This is absolutely ludacris. I spoke to a Supervisor, and asked to see a copy of the policy/procedure where a picture ID is required before a company could refund my own money. I truly believe this company is running a scam on hardworking customers and are not willing to refund the money that I jad set aside for myself to make calls to a loved one. This agony and pain I have been put through has been unbelievable and causing great XXXX just so I can get back what is owed to me. This company has caused great distress and has made this refund process absolutely unbearable.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

The bank took a deposit out of my account without my permission or even telling me they were going to, from XXXX, then re depositing it fro a different day of the actual date of deposit..Which I can prove without a shadow of a doubt! Also today I got up and there is money in my account that is not mine, I called several times over the past month with NO help or explanations! I want to knwo how they can spend MY money and then give it back, then charge me fro over drawing ( even though they never charged me it shows on my account ) Where is this money from, why can I not see where it came from or my actual balance but the backer could, so they are seeing my account differently than me, but can not explain what is going on! This is very scary that they feel they can use my account to do what ever they are doing with MY money, are they doing it to make money? Not sure what, but it is illegal and fraudulent in my opinion.
Product: Debt collection

I had a credit card with Bank of America around 2-3 years back. I paid what I owed and claimed identity theft because my ex-husband was using my credit card afterward. It's been two or three years since that credit card account was closed. I already filed several claims as well in Bank of America as well. Now, I have some collection agency under XXXX XXXX , XXXX from Missouri that claims I owe {$2400.00} to Bank of America and that they'll take that money from my accounts. They've repeatedly called and mailed me to pay them the money.
Product: Payday loan, title loan, or personal loan

Hi I am XXXX XXXX, I co-signed for my friend to buy CAR from WESTLAKE FINANCIAL SERVICES on XX/XX/XXXX. But car got stolen on XX/XX/XXXX, and filed the police complaint on same day. The car is stolen, and same information is passed to WESTLAKE FINANCIAL SERVICES. If car is stolen, how we are responsible for the payment?? 
They keep on reducing the my credit score ( initially, it is XXXX ) without contacting me. I tried several times to contact them, but they are keep on holding the calls for several hours, but ultimately no is able to solve my problem. Vehicle got recovered by Insurance on first week of XX/XX/XXXX. Now issue is Insurance company handed the car to Title owner ( i.e..WESTLAKE FINANCIAL SERVICES ) and the car is with dealer. There is some negotiation going on between dealer and WESTLAKE FINANCIAL SERVICES. 
In the Meanwhile, my CREDIT SCORE is reduced to XXXX and surprisingly my creditcard limit is reduced from XXXX $ to XXXX . 
It is not fair at all. I am not the owner and car was stolen and no proper communication services from WESTLAKE FINANCIAL SERVICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Debt collection

In accordance with the Fair Credit Reporting act Not my Address or phone numbers or employer 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 Phone Number ( XXXX ) XXXX NOT MY EMPLOYER TOTAL STAFFING CROWN SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Inquires need to be removed and this 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 an 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 then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Bank of America regarding interest rate changes to my credit card account ending  XXXX. The Credit Card Agreement indicates the initial interest rate was 8.24 % Standard Rate. Bank of America advised there was an interest rate change of 8.49 % on XX/XX/XXXX; 9.24 % on XX/XX/XXXX and 9.49 % on XX/XX/XXXX. Review of the notices received indicates Bank of America did not to send a 45-day Change In Terms Disclosure advising of the interest rate increases or any other significant change in terms to the credit card account as required by the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX.

A complaint was filed with the CFPB on XX/XX/XXXXrequesting clarification of the Standard Rate ( Fixed Rate?? ) vs the Variable Rate APR verbiage indicated on the Credit Card Agreement. I also requested copies of the Change in Terms ( Interest Rate Change ) Disclosures from XX/XX/XXXX to XX/XX/XXXX. A response was received from Bank of America on XX/XX/XXXX. Bank of America advised interest rate changes to the account were XX/XX/XXXX ( 8.24 % to 8.49 % ) ; XX/XX/XXXX ( 8.49 % to 8.74 ) ; XX/XX/XXXX ( 8.74 % to 8.99 % ) ; XX/XX/XXXX ( 8.99 % to 9.24 % ) ; XX/XX/XXXX ( 9.24 % to 9.49 % ) and XX/XX/XXXX ( 9.49 % to 9.74 % ). Change in Terms Disclosures were provided for review for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( with no interest rate changes ). However, Change in Terms Disclosures WERE NOT provided for review for XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; and XX/XX/XXXX/XX/XX/XXXX.

Although the Creditor provided a response to my complaint and SOME supporting documentation, the documentation provided validates the premise of the initial complaint. 1. Bank of America, failed to provide an explanation of why the Credit Card Agreement identifies the loan as a Standard Rate and the APR is actually a Variable Rate ( it is my understanding a Standard Rate is a Fixed Rate ). 2. Bank of America infers that since the credit card was a Variable Rate APR ( no explanation provided ) they are not required to send Change in Terms Disclosure for the interest rate changes as required by the Card Act of XX/XX/XXXX. Although, Interest Rate Change Disclosures are required by law to be sent within 45 days of the change. The response Bank of America does not address the concerns of the initial complaint and the Creditor has been unresponsive to additional calls regarding the complaint.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against OPORTUN for failing to provide validation of a debt that they claim I owe. I requested verification of this debt, but despite my request, I have not received the necessary documentation to substantiate the debt. 

Here are the details of the dispute : Debt Collector Information : Agency Name : OPORTUN XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Debt Information : Debt Amount : {$0.00} Original Creditor : XXXX Account Number : XXXX My Request for Debt Validation : I sent a debt validation request to OPORTUN, asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that OPORTUN has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it. 

Actions Taken : I have attempted to resolve this matter directly with OPORTUN, but their failure to respond appropriately has left me with no choice but to escalate the issue. 

I respectfully request that the CFPB intervene in this matter to ensure that OPORTUN complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt. 

I am willing to provide any additional information or documentation needed to assist with your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a ton of inquiries showing up on my report that I do not recognize. These companies had has not had my written nor verbal permission to access my credit file. I have reached out to each company individually and they have each stated for me to contact the credit bureaus. In doing so, each credit bureau has not addressed this issue in a timely matter. 
The companies listed did not have my permission to access my credit file. 

XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX
Product: Mortgage

As a XXXX XXXXXXXX veteran, I am currently under contract to purchase a more accessible home that will improve my daily quality of life. I am also under contract for the sale of my current home. The person who is purchasing my home is also a XXXX veteran and we are in the process of a loan assumption with my current servicer, Mr. Cooper ( formerly Nationstar ). Mr. Cooper initially assured us ( both buyer and seller ) that the assumption process would be completed in about 30 days. We received these assurances verbally before we signed our sale/purchase agreement. After signing, we immediately reached out to Mr. Cooper with the sales contract and initiated the assumption process by completing the assumption package that Mr. Cooper sent me. 

Both the buyer and seller completed all documents that Mr. Cooper requested, and provided those, along with any documents we anticipated they would require, within XXXX business days. Mr. Cooper then told us that this process would take 3 to 6 months. Each time we speak with someone at Mr. Cooper, the timeframe we are given changes once we were told 30 days, the next time 60 days, another time 45 days, and so on. In the most recent interaction with them the timeframe of 4 to 6 months was the estimated time required to complete the assumption.

A 4 to 6 month timeframe is unreasonable and will cause me to have to terminate both this contract and the one for the home I'm trying to purchase. I stand to lose thousands of dollars if this were to happen. The closing date for the home I am purchasing is XX/XX/23. 

Mr. Cooper states that they do not have a way to transfer us to the Assumptions team to speak with someone who can give us any sense of whether the paperwork we submitted was complete, what the next steps are, or any realistic time frame. The Mr. Cooper agents weve spoken to have requested internally that the Assumptions team reach out to us directly, but we have not received any calls or emails in response.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many Inquiries which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any Inquiries which is found to be fraud due to identity theft. The dispute Inquiries do not belong to me. Please remove these Inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DC XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/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, credit repair services, or other personal consumer reports

On my Equifax report are unauthorized credit inquiries in which I called the companies who reported them majority of them besides  XXXX  which did remove it said they ca n't not because I do n't have an account with them and that it 's no way for me them to find me. So I called Equifax since they are the ones who told me to call the companies, I told them what the companies stated. Even though I am telling Equifax that I did n't authorize the following Credit Inquires they keep telling me that they are factual even after I placed a fraud alert on my credit. How can you say something is factual when I am the person who credit report they are on and I 'm telling you that they are not I did everything you told me to do the fraud alert contact the companies who made them and still you will not remove them.     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 reporting or other personal consumer reports

I am writing to express my urgent concern regarding the inaccuracies on my credit report. Despite multiple attempts to address and resolve these issues, I have yet to receive any resolution or corrective action. The disputed accounts in question are seriously damaging my credit file and severely affecting my daily life. 

The inaccuracies have caused significant hardship, and I am now seeking your immediate assistance to address this matter. I request a comprehensive investigation into each disputed account and prompt action to update and correct my credit report. 

Restoring the accuracy and integrity of my credit file is crucial for my financial well-being. I appreciate your swift attention to this matter and look forward to your prompt resolution. 

Thank you for your understanding and cooperation.