23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am following up on complaint XXXX ( when I log into the portal, I do not see a " closed complaint '' option and do not want to miss the XX/XX/XXXX deadline to respond. 

I never received the company 's response to my complaint. CFPB said that I would receive a letter, but I received no letter in the mail. I got an email from BoA suggesting there was a message in my portal, but the login I used to apply for the card no longer exists. When I tried to log in to see the letter, I got a message saying, " no account with that information exists. '' ( If it were simply a wrong username or password, I would have gotten a " change password '' screen or something, right? ) I do NOT want to drop this inquiry. Whether deliberately or unintentionally, this is another instance of Bank of America avoiding accountability for their unethical and predatory lending practices by putting up barriers for consumers to advocate for their rights. They open cards without your consent before disclosing all of the information that they're legally required to, and then they make it impossible for you to follow up on the complaint. I would like to hold them accountable for what their predatory business practices have done to my financial prospects. Please refer to complaint XXXX for additional details.
Product: Checking or savings account

I am the victim of excessive fees on debits and charges. No matter when I make transfers to cover incoming charges or debits I get fee 'd. Most recently there was a debit and a preauthorized charge on XX/XX/. I made transfer to cover the XXXX and 25.ish charge and got hit with two fees today the XXXX of XXXX. I have made numerous phone calls to branch mgr that said she would help until we find out what's going on but, my calls are ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted Experian by phone to dispute hard inquiries on my credit report that I did not recognize. The representative offered no assistance and informed me the law requires them to give my credit report to whom every request it. He also informed me Experian does not dispute inquiries and that I would have to contact the lender involved to have them removed. I am not a lawyer and I do not have the extra money to hire a lawyer to take care of this for me, I don't know the process or the steps I need to take to have these removed. I then asked the representative, why is it Experian is the only credit bureau that doesn't do this on the consumers behalf and his response was " we have a different interpretation of the law ''. 

My main complaint here is, Experian is acting on the lenders behalf and not the consumers. What I was told by the representative was, I could have my credit pulled any time by anyone without my permission and it would reflect on my report as hard inquires and Experian will not do a single thing about it. Is it not the credit bureaus responsibility to remove inaccuracies or was I lied to by a lazy representative? 

By the way I was able to dispute these inquires online without issue with the other credit bureaus.
Product: Credit reporting or other personal consumer reports

In late XXXX I made a {$76.00} which I thought was for XXXX months and would have taken care of XXXX and XXXX and that I would not be due again until late XXXX. The statements do not show past due balances so I was not aware there was a past due balance. When I logged in this week to take care of the XXXX payment, I saw a larger amount. I called customer service and the lady was kind and explained the account was past due. I never received anything showing there was a balance that was in the past due status as there is not statement that shows those words like most statements do. I paid the amount she told me immediately. I would like to request the past due credit report status be removed please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters, I have tried challenging the erroneus reporting, I have shown how inaccurate the reporting is across all 3 bureaus at least 5 times now and each time the bureaus use their automated system and somehow the creditor verifies it. How can it be accurate if it is not the same across all 3 bureaus?! How can I have different open and close dates, different payment statuses? I paid this account in full in XX/XX/XXXX as part of a settlement agreement. The account was never charged off or sent to collections. Every month they add a new random remark thus dropping my score even more when this was done in XXXX and there should be NO MORE reporting EVER past XX/XX/XXXX when it was paid and closed in full! This is completely against my consumer rights that no one cares that it is not reporting correctly when I point out blatantly inconsistent reporting! NO remarks/no reporting, no anything should have been reported past XXXX XXXX! Low and behold I log into my XXXX reporting and XXXX XXXX has added a new payment status : 120 days past due. Thats weird since it was been PAID SINCE XXXX! Incompetent and unacceptable! And how can they say this was charged off and sent to collections when it never was?! Which has also been one of their status updates! I did a settlement well before my account ever got to that point! Their own letter states that this will be updated as paid as agreed! So why is one bureau showing my CURRENT payment status as 120+ days past due and another bureau showing in collections/charge off if it is PAID! At this point I feel all of their reporting is malicious and I will sue if this is not 100 % correct or deleted from my reports in entirety. XXXX XXXX has bullied me enough the last 6 months with their poor reporting. As you can see by lying on their reporting as of TODAY XX/XX/XXXX and deciding to randomly go in and do a status update they stated my account is 120 days past due as the current payment status and it has yet again dropped my score XXXX points today?! Absolutely ridiculous. It needs to be corrected TODAY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Last four of XXXX XXXX XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX IL XXXX Subject : Dispute of Inaccurate Name and Address Information on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of my name and address information on my credit report, as it does not accurately reflect my correct personal details. I believe that this inaccurate information is in violation of the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801-6802 ) , which mandates that financial institutions ensure the accuracy and proper disclosure of personal data. 
The following inaccuracies appear on my credit report : XXXX. Incorrect Name : XXXX XXXX XXXX. Incorrect Address : XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX NC XXXX As per the provisions of the Gramm-Leach-Bliley Act, financial institutions and credit reporting agencies are required to safeguard and ensure the accuracy of personal data they report. I believe the inaccurate name and address have resulted from an error, and I am requesting that this information be corrected. 
Please investigate these discrepancies, update my report accordingly, and provide me with written confirmation once the information has been corrected. If necessary, I am happy to provide any additional documentation to support this dispute, such as proof of my correct name and address. 
Thank you for your prompt attention to this matter. I look forward to your timely resolution of these inaccuracies and the provision of an updated credit report reflecting the corrected information. 
Sincerely, XXXX XXXX I sent this to all three credit agencies and nothing has changed
Product: Mortgage

When I lost my job in 2010 during the recession, I contacted Bank of America to see if they could work something out to lower my monthly payments. I did not want to risk not being able to make full payments and ruin my perfect credit due to the reduction in income. The representatives said there was nothing they could due because my account was current and they did not have any programs for which I was eligible. I continued to make timely payments for as long as I could, but one month I was n't going to be able to make a payment at all. I had worked on a project and was expecting a large sum of money but I did n't know exactly when the payment would come. I called to tell them but they gave the same response. After falling behind that month, they then advised me to apply for a modification. I applied for the modification and they said it would take about 30-60 days to complete the process. In the meantime, money from my project came in and I was able to pay myself current on the loan. I contacted BOA to tell them that I wanted to pay my loan current but they said that they could not accept a payment and that I should wait for the modification to go through. Then the robo calls started. The scenario consisted of an auto call, then a rep got on the line saying they were contacting me to see if i could make a payment. I would tell them that I could ; then they would transfer me to another department. That rep would then say they could not take a payment. This harassment went on for well over a year. They would call 5-6 times daily, pretending to be collecting a payment. When asked about the modification, they would say it was still pending. Yet, they started foreclosure proceedings event though the " modification '' was still pending. In desperation, I contacted an outside non profit. Through their assistance the foreclosure proceedings were stopped within 15 days of sale of my property. Then the modification finally came through, but the mortgage payments were even higher than they were initially. It was a complete nightmare. 
BOA sent me a check for {$500.00}. It said " settlement '', but there was no explanation nor admission of wrong doing included with the check. I was only recently made aware of the damage they have done to my credit with this situation. Then I did an internet search and ran across an article that reported what BOA had done to thousands of its customers in an attempt to force us into foreclosure by rejecting or delaying modifications. I did n't know about the lawsuit at the time or that they were doing this to thousands of customers. I just cashed the check and went on with my life. They were sued and sent us these measly settlement checks. Yet they have not cleared my credit and it is preventing me from moving forward with my life. I have contacted the reporting agencies and they say BOA responded that their reporting is accurate when in fact it is not.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report. 

I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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,, In accordance with the Fair Credit Reporting act # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Product: Credit reporting or other personal consumer reports

In accordance with the fare Credit Reporting Act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Credit Collections acct XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX,. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer containing any of the following items of information any other adverse items of information, other than records of convictions which antedates the report by more then seven years. 15U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inacurate. XXXX and XXXX does not have this collection on my credit report. I never received proper notification on this collection and I want the method of validation.
Product: Student loan

I signed up with XXXX XXXX XXXX in XX/XX/XXXX. My payments have always been automatically withdrawn from my account. However, in XX/XX/XXXX I noticed the payments stopped coming out. I tried to contact the company and found that the number wasn't in service. Then I found out that Navient reported to XXXX XXXX that I was delinquent on payments. I was never contact by anyone from either company. After researching with XXXX XXXX I learned that is because XXXX XXXX XXXX changed my contact information to their company in XXXX, TX. I am still researching the multiple TX addresses listed on my credit report. Navient then turned over the loan to the US Department of Education for non-payment. I have now set up a payment plan with them, but the negative affect to my credit has lowered my score to XXXX. My loans also went from {$35000.00} to {$42000.00}. They took advantage of the fact that I have been in survival mode for years. Between losing a job, dealing with my daughter 's father 's XXXX, then his death ... I had to declare bankruptcy, just barely making it yet still paying what I thought was a legitimate company. Come to find out they have taken money, raised my debt, and further destroyed my credit. As I started research I learned that XXXX XXXX XXXX is being sued and investigated as is Navient. I don't know where to go from here.
Product: Credit card

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Product: Mortgage

already have a complaint but i didnt know what to do, under XXXX i received a letter saying there is not enough time before sheriffs sale and wrote sayng the sales date is XX/XX/XXXX and under 12 C.F.G. 102.41 REGULATIONS OF XXXX XXXX THAT if it is withing 37 days before sale and although their letter is dated XX/XX/XXXX i sent it over XXXX and have proof giving it enough time i am scared i dont want to lose my home and they are doing nothing to help me i dont care what they say, i wrote XXXX XXXX XXXX a few faxes that is the guy who replied to my first complaint with you and he sent a letter dated XX/XX/XXXX saying they are there to help but they arent i need you please have a XXXX husband and nowhere to go
Product: Credit card

In XX/XX/year> I was having a conversation with a coordinator at XXXX XXXX. We were having a talk about 4 different XXXX procedures so that I can decide the best one. We were only in the conversation stages. We never picked a XXXX, a surgeon, or a date/ time for XXXX. She stated I should apply for financing. I put my information on the form and she altered it to say I made over {$100000.00} which is fraud. Tell XXXX, or Comenity to show my income reported when the account was opened I promise it won't reflect what I filled out on the form. She stated she was only applying for the card and wouldn't charge it. How can I be responsible for a non- refundable deposit of {$1000.00} when I never picked a XXXX, surgeon, date, or time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without my permission or being contacted in any form or fashion, XXXXVillage Capital pulled my credit report ( HARD ) on XX/XX/XXXX, by this company. I did not request a pull of my credit report for a mortgage, and this is FRAUD. When I tried to call the company, the 866 number would not go through, and I tried multiple times. I called the next number I found on their website and never could reach a live person to speak with about the false and unauthorized pull of my credit report. The inquiry is showing on my credit from all three bureaus. I have put a fraud alert on my credit report through XXXX  and XXXX. I want it removed from my report ASAP from all three bureaus as it affects my credit and states it will not be removed until XX/XX/XXXX. Further note, I never contacted this company or any other company about refinancing my mortgage at this time. 

Company information : XXXX/Village Capital & XXXX / Mortgage XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  Balance : {$7600.00} XXXX XXXX XXXX Balance : {$0.00} DEPT OF ED XX/XX/year>
Product: Credit card or prepaid card

This began in XXXX of 2021 and I was going back and forth with my CC company  for the past year plus. Please find enclosed documentation proving a fraud occurred after credit card billing cycles were completed. It was not possible to report/dispute the charge prior to the two cycles as the furniture was not scheduled to arrive before that and communication was ongoing, with status updates during the delay for a period of time ( enclosed ). Once the communication seized, it was found out that the company based in Utah was investigated and found to be fraudulent. A XXXX XXXX arose from the dissatisfied people, as well as an email chain. Other banks, including credit unions and XXXX refunded their customers. Barclays continues to tell me I had to report this earlier. Again, how was I to know earlier ( within their guidelines ) that a fraud would occur after the fact? I am asking that Barclays refund my card for my initial deposit of {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/19 pulled credit with out my permission I did not give them permission to run or sign no contract agreeing to running ( HARD CREDIT ) XXXX  very deceptive. I have also file a complaint with the US Attorney office as well on XXXX.
Product: Debt collection

Progressive financial has not contacted me in anyway to discuss a collection on my credit report. I have not received any mail or phone calls from this company. I do not have a contract with Progressive financial and they continue to place a negative report on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new car and home. 

These are the accounts and their account numbers : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name- XXXX XXXX XXXX XXXX  Account number- XXXX Please remove it from my credit report. 

Account name- XXXX XXXX XXXX XXXX Account XXXX XXXX Please remove it from my credit report. 

Account name- XXXX XXXX XXXX Account number- XXXX Please remove it from my credit report. 

LAWS NOT FOLLOWED- 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies