23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband applied for the loan. I never consulted, applied or agreed to or signed the note and bank documents for the loan. He is now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He added my name to the loan. The bank failed to speak to me to verify I was to be included or consulted if I agreed to the loan in question. 

I wrote several letters and disputed this loan including a letter to the XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. He never replied to the specific allegations. The bank has completely ignored my claim that the loan is not mine. I have uploaded all the relevant documents.
Product: Credit reporting or other personal consumer reports

am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 
Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.
1681i, which mandates a reasonable investigation of disputes. 
Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

There are multiple incorrect addresses on my credit reports ( for example - Experian has XXXX social security numbers that are not mine, and a host of addresses that are not mine. ) I have disputed with all three credit reporting agencies. They will also not let me dispute them any more even with proof of my current address and social security card!!!!!!! The only correct addresses are XXXX XXXX XXXX and XXXX XXXX The rest are inaccurate and reporting as such. I have asked for ways they have verified this information, and received nothing other than they investigated and found the addresses to be accurate. I just want the inaccurate socials and addresses removed!!!!
Product: Credit card

In year XXXX/XXXX/XXXX Citi reports to XXXX a high balance of {$0.00} and a credit limit of {$4800.00}. 
but in XXXX/XXXX/XXXX Citi reports to XXXX a High Balance of {$4200.00} and a credit limit of {$4800.00}. Why? 
In XXXX/XXXX/XXXX Citi reports to XXXX a high {$0.00} and a Credit Limit of {$9900.00}. 
In XXXX/XXXX/XXXX Citi and XXXX do not report a High balance, but report a credit limit of {$9900.00}. Why did Citi not report a High Balance? Is n't my High balance the same as my credit limit? Why is Citi changing my original credit limit? 
In XXXX Citi reports to XXXX a high balance of {$8500.00} and a credit limit of {$11000.00}. 
In XXXX, the same as XXXX and in XXXX Citi reports to all three credit bureaus, XXXX the High balance of {$8500.00} and credit limit of {$11000.00}. 
I need your help to ask Citi bank why they changed the original high credit from {$0.00} to {$8500.00}? Ask Citi why they changed the Original credit limit from {$0.00} and {$4800.00} to {$9900.00} and {$11000.00}? 
Because In year XXXX another bank mirrored a {$7500.00} balance onto another card with a {$0.00} balance. This bank admitted it to me in my phone call to them in XXXX. I had filed a complaint with OCC at that time. I believe Citi is a continued of this, since I made balance transfers to Citi Citi bank had a responsibility to not continue a false balance that was mirrored. I believe that XXXX is helping me with this and XXXX that the truth in the explaination by Citi will be given, as the trail of this error could have stopped a long time ago.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a delinquent account reported by American Credit Acceptance ( ACA ) that I believe is fraudulent and does not belong to me. The details of the account in question are as follows : * Account Number : [ XXXX ] * Creditor : American Credit Acceptance * Reported Amount : [ {$19000.00} ] Background Information I would like to clarify that I have never entered into any contract or agreement with American Credit Acceptance. The account was originally financed through an in-house finance lender, and I have no knowledge or documentation indicating any transfer of this account to ACA.

Upon reviewing my credit report, I found this account listed as delinquent, which has negatively impacted my credit score and overall financial standing. I firmly believe that this entry is erroneous due to the following reasons : 1. Lack of Contractual Agreement : I have not signed any contract with ACA nor author
ized them to manage or collect on any debt related to my name.

2. Original Lender Information : My records indicate that the original financing was conducted through an in-house lender, and there has been no communication regarding a transfer of this debt to ACA.

3. Fraudulent Activity : Given that I did not authorize any dealings with ACA, it raises concerns about potential identity theft or fraudulent activity associated with my personal information.
Product: Credit card or prepaid card

REFERENCE # XXXX INSTEAD OF CORRECTING CREDIT REPORT IT THE ENTIRE RECORD WAS DELETED AND I SHOULD HAVE A PERFECT HISTORY. 

CREDIT PROTECTION WAS ACTIVATED BUT COMPANY PROMISED {$60.00} / MONTH PAYMENTS WITH A MAX OF 6 FOR THE PROGRAM. SINCE FIRST PAYMENT HAS BEEN MADE ONLY IN THE AMOUNT OF {$10.00} PROMISES WERE AGREED ON THIS ACCOUNT AND YOU CAN FIND THEM ON THE OTHER CLAIM I WILL ATTACH AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I placed freezes on my credit files and reported identity theft due to an account being fraudulently opened with XXXX with my credentials. I contacted XXXX and they immediately closed the account as a fraudulent account. Ive disputed the hard inquiry on my XXXX report multiple times, but still the company refuses to remove it from my credit file. This is an error on Equifaxs part and it needs to be removed.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was notified of a fraudulent charge on my credit card which led to cancellation of the card as a precaution. While attempting to call and report the charges, Bank Of America customer service stated that they could only verify my identity via an outdated phone number on their system. The phone number in question was discontinued and removed from my contact information in XXXX after my relocation with the military to XXXX. The representatives stated that that phone number was the only way to verify who I was and as such no further assistance was offered other than personally going to a branch with " XXXX forms of IDs ''. 

On the bank 's website, they advertise to have multiple international locations " all over the globe ''. However, this is false as the reported global branches are only for Corporations and Investment Banking only. The branches in XXXX, XXXX, XXXX, and XXXX were all contacted who confirmed that no personal banking needs would be met. 

At this time, all my access to my accounts were restricted by the bank of america, hence, I could not withdraw, transfer, or access my accounts at all ; leaving me in XXXX without any funds. 

Given the dire situation, I managed to fly to XXXX for XXXX day to confirm my identity as requested. During this visit, the financial branch updated my information with a new phone number in order for me to receive verification codes via phone. At this time, I only could get access to mobile banking which was limited to only paying bills. No funds could be transferred to withdrawn while pending debit and credit cards being mailed. 

On XX/XX/XXXX, I was alerted to an activity on a credit card which was just mailed. I contacted the bank, however, was told that the new phone number could not be used because it was not verified, and as such no assistance could be given. XXXX agent stated, " your inconvenience is not our priority '', hence, again I am restricted. 

Below, please find my efforts to contact and resolve the situation with the bank : The phone customer service, credit card services, and fraud services were contacted on the following dates and times : XX/XX/XXXX at : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX at : XXXX XX/XX/XXXX at : XXXX ; XXXX ; XXXX XX/XX/XXXX at : XXXX Emails were sent to : XXXX; Finally, I flew to US on XX/XX/XXXX and XXXX on XX/XX/XXXX believing that this had resolved the situation but appears not. I am unable to fly to the US because the institution does not have appropriate security measures especially since going in person appears not to matter. 

Thank you for your time
Product: Credit reporting or other personal consumer reports

This complaint serves as formal notice that you have not responded promptly to my previous dispute notice. You advised me to contact the creditors, which I have done. According to FDCPA XXXX, you are required to update these accounts until they are validated. I have requested validation, but it has not been provided. Please update the accounts now : Experian : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00}. As previously mentioned, under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. You have fifteen ( 15 ) days from the receipt of this letter to complete these actions, as stipulated by 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ). In accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me once the accounts have been updated.
Product: Credit card or prepaid card

I had a shared account with my wife at Bank of America. Bank of America closed my account because my wife 's identity proof was out of date. I got a check with all the balance in my account. This also XXXX all auto-payments I had set up to pay for my credit cards with Bank of America. I went back to the bank and reopened my account, but forgot to set up auto payments which had gotten XXXX. This resulted in late payments on my credit card which has negatively impacted my credit score. My credit scores dropped by more than 50 points. 

XX/XX/XXXX - I got a letter from Bank of America saying my wife 's identity proof with the bank was out of date. I didn't open the letter assuming it was a regular marketing mail. 
XX/XX/XXXX - Bank of America closed my account and sent me a mail with a cheque for the balance in my account. 
XX/XX/XXXX - I reopened my account with Bank of America, but forgot to set up auto-pay. 
XX/XX/XXXX - I realized my credit score was impacted due to late payment. I called Bank of America and pointed out that the late payment was due to disruption with auto-payment due to my account being closed and opened again. 

My credit score has not gotten back to the previous levels yet.
Product: Checking or savings account

On XX/XX/2022, a company I didnt authorize pulled nearly all my money out of my account totaling {$660.00} and Chime Bank is doing nothing to rectify this. They told me I may have to wait two months and wont provide me so much as a provisional credit. Theyre treating me like a criminal. I am now left with no money and no means to buy food or put gas in my car. Please help me retain an attorney. They are wreaking havoc on my life.
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 XXXXXXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX continues to report inaccurate and incorrect late payments on my credit profile. 

account # XXXX ( credit card ) Inaccurate Late payments- XX/XX/XXXX, XXXX and XX/XX/XXXX. 
account # : XXXX ( auto loan ) Inaccurate XXXX XXXX XXXX and XX/XX/XXXX. 

They remain in violation of consumer law under : 15 USC 1681a ( 2 ) - EXCLUSIONS Except as provided in paragraph ( 3 ) The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1666B : States 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 has failed to disclose all facts listed in section 1637 ( b ) without any omission as required under the FCRA to me as a consumer. They also inaccurately conveyed all relevant information about these erroneous accounts to the original furnisher ( XXXX XXXX XXXX XXXX ), even when the response was improbable or illogical on its face, or when XXXX has other information available to suggest the furnisher in unreliable.
Product: Checking or savings account

Hello, I am XXXX years old and Merrill Lynch refuses to grant me access to my XXXX account without the former custodian 's ( my father 's ) permission. This is against the law. Now that I am over 21 years of age, the account and all assets should be mine : XXXX XXXX XXXXXXXX. Not only would I like access to this money, but I also need access to the account information to file my taxes. 

My father is XXXX XXXX and will not cooperate by transferring " ownership '' of the account.
Product: Mortgage

I filed a complaint against two mortgage companies, Aurora Lending Services and Nationstar Mortgage Company ( XXXX ). The former filed foreclosure on me, even though I was current on payments and provided proof ( cashier 's checks ) that I had responded as the modification contract required. Still they filed foreclosure.
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I lost {$57000.00} in down payment money ( See complaint:XXXX ), years of paying a mortgage with a 10 % plus interest rate, and I have been fighting this matter since XXXX. In XXXX, I surrendered the property in a chapter XXXX that was approved and confirmed by the court. Years later, I discover that Nationstar filed a foreclosure on me in XXXX which is preventing me from securing a mortgage today.
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Nationstar responded to my complaint with CFPB by sending a message to a former attorney we had retained in XXXX. One problem with their response is that the attorney does not represent us. Another problem is the attorney has been debarred and has lost his license. for mortgage-related client misrepresentations.
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Please intercede and ensure that all responses are sent to me, not to the previous attorney.
Product: Credit card

A {$220.00} payment was made in order to pay of the revolving balance portion of my total card balance. Only {$210.00} was applied to the revolving balance. The remaining {$2.00} was applied to a promotional balance that isn't due to expire for over 3 months. This left a very small balance in the revolving account in order that they could charge me another month of the minimum interest charge. 
Their own stated policy is to pay off revolving balances unless a promotional balance is 60 days or less from maturing, then the payment will be applied there first. 
Seems like a fraudulent way to do business and charge fees and interest where they should not.
Product: Credit reporting or other personal consumer reports

I brought a pre-approval letter to a car dealership to finance a used car so during the process, they had me sign on forms stating its for registration etc and they ran my credit report without my consent despite my approval from a lender. I got the car and seen hard inquiries hit my credit report. Heres the worst part : the car had oil leaking into the engine and I found out weeks later about it when the check engine light came so I took it back and they gave me a trade car that valued XXXX more than the loan I already got and RAN MY CREDIT AGAIN for more lenders. If you check my credit profile, you will notice I been with the same lender I was approved with originally for both vehicles and now I have XXXX unauthorized hard inquires on my credit report. What a nightmare! 

Here are the XXXX XXXX Inquiries : XXXX. XXXX XXXX  XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX - XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXXXXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were given EXPLICIT instruction to run credit with XXXX XXXX ONLY. Instead, credit was run with a number of finance companies without WITHOUT AUTHORIZATION : XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX. On XX/XX/XXXX we sent a letter to XXXX XXXX XXXX to address these concerns as the hard inquires were negatively impacting our credit files. On XX/XX/XXXX we received a written response back from XXXX XXXX XXXX acknowledging this misunderstanding, stating they did not have the capability to remove inquiries from a credit bureau file ; we would need to work directly with the credit bureaus. On XX/XX/XXXX we sent written request to the XXXX, XXXX and Experian to remove the XX/XX/XXXX inquires. A copy of the XX/XX/XXXX response back from XXXX XXXX XXXX was included. To date, the unauthorized inquires remain on our credit reports.
Product: Credit card

Ensuring timely payments has always been a priority for me regarding this account, never allowing them to be overdue. The origin of the late payment remarks on my accounts is uncertain to me. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Bank account or service

Dear XXXX, We, XXXX XXXX and XXXX XXXX, opened a 14 months CD account on XXXX XXXX XXXX with an interest rate 1.25 % and a deposit XXXX XXXX which got its maturity on XXXX XXXX XXXX at Citizens Bank, XXXX XXXX XXXX, XXXX, XXXX, XXXX # : ( XXXX ) XXXX. 
The account number was XXXX. 
However, after its maturity on XXXX XXXX, this CD account got renewed with an interest rate 0.03 %, and we received no notification about its renewal except for an electronic alert enclosed as follows & gt ; & gt ; Dear eNotice Customer, & gt ; & gt ; A CD Maturity Notice has been generated for your 14 MONTH CD, account & gt ; & gt ; XXXX. 
& gt ; & gt ; To view your eNotice, login to Online Banking at http : //www.citizensbank.com. 
& gt ; & gt ; Remember : Always look for your Safe With Citizens ( R ) Image and Phrase before & gt ; & gt ; entering your Password. 
& gt ; & gt ; Thank you. 
& gt ; & gt ; Please do not reply to this e-mail as it is automatically generated. If you are a Retail & gt ; & gt ; Customer and have any questions, please feel free to contact us at XXXX, if & gt ; & gt ; you are a Business Customer please call us at XXXX. 

We moved from XXXX XXXX to XXXX XXXX last week on XXXX XXXX XXXX, and before our move, we visited the branch of Citizens Bank at XXXX XXXX XXXX, XXXX, XXXX where we opened all our accounts, and tried to make clear the final steps of our business with them. 

At our first visit on XXXX XXXX XXXX they informed us the renewal of this 14 months CD account, and our response to this was to close it immediately as we did not expect any renewal ( from Open/ Renewal Date : XXXX/XXXX/XXXX to Maturity Date : XXXX/XXXX/XXXX ). They penalized our closure with the following data XXXX/XXXX/XXXX Interest Transfer Out - {$60000.00} {$0.00} XXXX/XXXX/XXXX Interest Penalty - {$9.00} {$60000.00} XXXX/XXXX/XXXX Penalty Early Withdrawal Transaction Penalty - {$50.00} {$60000.00} for a total amount of XXXX $ penalty. 

We felt very uncomfortable about the way this was done as they said their system indicates a mail delivered to us which we never received - we had similar issues before. 
We called Citizens Bank online customer service and got responded that moving a long distance where no branch of Citizens Bank is accessible is a reasonable reason that this renewed CD account be closed without any penalty. 

After this phone call, we went back to this branch and had a talk with its manager on XXXX XXXX XXXX who deliberately run us out as he knew we are going to move soon. 

As we neither receive a phone call nor an email since then XXXX XXXX XXXX, we assume they would do the bad business with us and look for exterior authoritative help. 

Thank you in advance! 
XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy. 

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. 

Federal Law overrides any company policy. 

Dept of EDUXXXX -account number XXXX XXXX XXXX XXXX bank - account number XXXXXXXX XXXX XXXX  XXXX XXXX -account numberXXXXXXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX account number XXXX XXXX XXXX -account number XXXX XXXX XXXX XXXX- account number XXXX XXXX- account number XXXXXXXX XXXXXXXX XXXX XXXX- account number XXXX XXXX XXXX XXXX an- account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX Unknown account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PBCAPIGRP- account number XXXX