23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed the debt and amount that I they claimed I owed from the beginning. It was a personal cell phone bill that they claimed I owed {$2300.00}. Finally on XXXX XXXX XXXX I agreed to settle with them for {$1100.00}. In exchange AFNI agreed to remove any and all negative information reported on my credit. 
I was recently rejected for an auto loan. Upon examining my credit with XXXX, I discovered the only negative information was from this same AFNI account. 
The AFNI collection agent made false and misleading statements in order to get me to pay the {$1100.00} settlement, then neglected to remove the negative information. 

I have disputed the information with XXXX. I received notice today XXXX that AFNI confirmed the negative information. I spoke today with a XXXX XXXX XXXX, supervisor with AFNI who informed me that they never remove negative information as part of a settlement. He informed me that they will not remove the collection account from my credit. 
This constitutes a financial hardship for my family, as we are unable to obtain credit, except at astronomical interest rates. I am obligated by contract to refinance my home by this spring, and can not do it while this is still on my credit.
Product: Student loan

For many years after I completed school and entered my profession ( XXXX XXXX XXXXXXXX ), I called Nelnet faithfully every year. Every time I called, I explained that I am wanting to complete my XXXX years in order to fill out the application for the XXXX  Loan Forgiveness. I asked if I was doing everything correctly and if I needed to do anything else. Every year I was told I was on the right path until XXXX. The representative advised me that I could do a loan consolidation. I reiterated that I wanted to do the Teacher Loan Forgiveness and did not want to do anything to jeopardize that. She advised me that the consolidation loan would not hurt me in any way. When I completed year five and filled out the application, I was denied!!! After many many attempts to receive an answer that made sense, a manager explained to me that within that loan I combined two different types of loans ( subsidized and unsubsidized ). One of which can not go under the XXXX  Loan Forgiveness. For this reason, it is all denied!!! I was devastated to say the least. I spent many years ensuring that I was doing the right thing for someone who did not know what they were talking about to mislead me!! I was told " There is nothing we can do. '' They advised me that they can see that I called every year!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there is a child support account reporting in my credit reports from the State of XXXX but, I don't have any children. I think that this may be someone else 's account reporting in my report. I sent dispute letters to the credit bureaus ( XXXX, XXXX, and TransUnion ) but have not heard back yet. Please have the credit bureaus remove this incorrect account which is not mine from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this message finds you well. I am writing to file a formal dispute regarding violations of the Fair Credit Reporting Act ( FCRA ) that have significantly affected my credit report. My goal is to seek enforcement of my legal rights as a consumer and request your assistance in rectifying these violations. 

I am a diligent individual who believes in the importance of financial responsibility. I have worked tirelessly to maintain a positive credit history and ensure the accuracy of my credit report. However, I find myself in a distressing situation due to unauthorized inquiries, inaccurate account reporting, and questionable information on my credit report. These issues have not only caused financial stress but have also had a profound emotional impact on my life. 

As a victim of these violations, I have experienced firsthand the frustration and XXXX  that stem from the inability to secure reasonable interest rates for loans and credit cards. These inaccurate entries have directly hindered my ability to achieve significant life goals, such as purchasing a home and securing financing for necessary expenses. I have had to endure sleepless nights, constant worry, and the mental toll of feeling powerless in the face of a system that is supposed to protect consumers. 

Specifically, I have identified the following violations : Unauthorized Inquiries : 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 Inaccurate Account Reporting XXXX XXXX XXXX ( Account Number XXXX XXXX ) Questionable Account Information : XXXX ( Account Number : XXXX ) I implore you to consider the immense impact that these violations have had on my financial and emotional well-being. I kindly request your intervention to ensure that the creditors involved remove the unverified accounts and inquiries from my credit report, thus allowing me the chance to rebuild my credit history accurately and without the unjust obstacles that have plagued my life. 

Please assist me in upholding the principles of the Fair Credit Reporting Act by taking necessary actions against these violations and ensuring my rights are protected. I thank you in advance for your attention to this matter and your commitment to consumer protection. 

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, TransUnion has failed the to respond to my disputes within the 30-days time period per FCRA. The following item should be removed from my credit report. 

XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

I recently applied for a HELOC from Bank of America since I have been banking with them for over 22 years. I joined XXXX Bank in XXXX which is bought by BOA in XXXX. I was expecting a concierge level support since I have been Banking with them for a while and to my dismay my experience have been the worst ever so far. I clearly told the BoA rep I was trying to refinance my existing HELOC from XXXX Bank which had a loan to value of 80 %. I was told that as long as I have credit score over XXXX and the value of property is above 950K that should not be a problem. I have been assigned to a processor called XXXX and we have been playing phone tags for last 4 weeks and never had a chance to get hold of her. I have spoken to multiple customer care reps last few weeks and I am hearing the different stories from them. I even escalated to a supervisor twice and they promised that he will expedite handling of my file which is a complete lie and I am extremely frustrated about the way they handle my file so far and I wasted so much time talking to BOA on the phone and ca n't get anything done. Appraised value of my property is XXXX and my credit score over 730 and I got this letter from BOA America stating that they ca n't refinance my existing Heloc and my application got rejected. When I talked to supervisor called XXXX she told me that they have a counter offer of 75 % LTV and BOA rep will follow me. When I spoke to BOA rep called XXXX he told that he ca n't even consider 75 % LTV and maximum they can offer is XXXX due to too many inquiries in my credit report and some late payments back in XXXX time frame. I explained to BOA rep that I have been shopping for a mortgage for a while and due to that I have some inquiries from other Banks which was not converted to loans. I also told them late payments were due to short sale due to an extra ordinary circumstances back in XXXX and explained to BOA rep none of previous banks denied credit due to this issue and XXXX and Credit unions offered me 80 % LTV Helocs in the past after completing 3 years of short sale and I never had a pleasure to bank with them over 22 years similar to the way that I have been Banking with BOA. I am very familiar with Helocs since I had atleast 10 of them for last 20 plus years and BOA did n't have a courtesy of asking me what went wrong back in XXXX. Instead they flatly rejected my original offer and the story keeps changing every time I spoke to BOA rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, authorize EQUIFAX, INC to move forward with this complaint. To my understanding of the law EQUIFAX, INC is violating my consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), transactions or experiences between myself, the consumer, and the person making the report are supposed to be excluded from my consumer report. Payment history is a list of TRANSACTIONS. The amount of credit extended and/or amount of credit being used are EXPERIENCES. This would mean it is illegal to be reporting payment history and the amount of credit extended and/or being used because it should be EXCLUDED from a consumer report. I can hold you civilly liable for {$1000.00} for each violation for willfully violating me pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ). In addition, 15 USC 1666b ( a ) states that a creditor can not treat a payment as late for any purpose. So now the question is outside of transaction history being reported illegally, how can it be reported that I was late on this account if the law states that I can not be late for any purpose. The account shows paid and closed so when was I allegedly late? The unlawful activity that you are participating in has caused me to be fearful of applying for lines of credit because I felt that I ran the risk of being denied.
Product: Credit reporting or other personal consumer reports

I HAVE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. PLEASE REMOVE IMMEDIATELY.
Product: Checking or savings account

Opened a BBVA Compass checking account after seeing advertised terms for {$200.00} bonus they were promoting for new accounts. Terms required a minimum of {$300.00} direct deposit into the checking account, which I met TWICE over, first on XX/XX/XXXX and again on XX/XX/XXXX. Advertised terms said bonus would be posted within 60 days - I inquired about not receiving the bonus yet with the bank, but no response.
Product: Debt collection

A fraudster who I believe is posing as MRS BPO , LLC, a debt collector company, has texted me XXXX different times from dates XX/XX/year> to XX/XX/year> to collect debt that I owed through XXXX XXXX. They called me on XX/XX/year> to attempt to collect a total debt of {$200.00}. I paid this debt in full over the phone and they verbally confirmed that my debt was resolved. 

On XX/XX/year>, a debt collector company called XXXX. XXXX, XXXX contacted me requesting a debt in a different amount ( I dont remember the amount but it was a little less that what I paid with the other company ). In confusion, I let them know that I had already paid off my debt with XXXX XXXX and questioned why I still owed. They were not aware of any other debt payments made before this call. 

So far I found out that the fraudster posing as MRS BPO , LLC called me from a number that does not match the real company phone number. The fraudster called me from ( XXXX ) XXXX. The official phone number for XXXX XXXX XXXX, XXXX is ( XXXX ) XXXX. The receipt that the fraudster emailed me does not show any amount that I paid but shows the account is resolved. XXXX XXXX told me that I had to accounts with XXXX XXXX and I have no idea why that is.
Product: Credit card or prepaid card

The following are the facts of my case and the undisputed reasons I should have received funds for my billing dispute with Bank of the West using my MasterCard Business debit card. I understood Bank of the West has included their terms and conditions for their reasoning for declining my disputes, however per Mastercards  billing dispute rules Im obviously covered and have a right to dispute the presented charges on my business card. I have attached a portion of Bank of the Wests website which clearly states my business card is protected through MasterCards guidelines and benefits. MasterCard states very clearly that I have a right to dispute charges  under the premises credit not received meaning the merchant promised credit however they did not issue such credit. Under Mastercards guidelines Im allowed to dispute charges up to 120 days from all dated material, meaning not from the transaction date and not from Bank of the West disclosures, but from the date I received an email stating the merchant would refund my account. I have attached two emails from XXXX XXXX and XXXX XXXX from Bank of the West clearly showing that they did process business disputes that were past their terms and conditions because these disputes fall under Mastercards guidelines. I have also attached an email dated XX/XX/XXXX from XXXX XXXX of Bank of the West that clearly states that all transactions that were present to her would be processed. Mastercards guidelines also clearly state all material use to dispute my disputes be sent to me, Bank of West has failed to send me this material. 
I have attached a video that references both the CFPB, MasterCard, Fair Credit Act and disputes XXXX XXXX XXXX XXXXXXXX. 
In conclusion, its very clear that it was agreed and stated by XXXX XXXX and XXXX XXXX that all transactions would be processed, the attachment from XXXX XXXX showing that business transactions that were in XXXX and XXXX of XXXX were processed because thats what the agreement was. Its also clear that Bank of the West uses MasterCard for their services so Im absolutely within rights to dispute. Under government rules and MasterCards guidelines Bank of the West still has {$42000.00} in outstanding disputes to process. As of XX/XX/XXXX, Bank of the West arbitrarily closed my account without reason and has caused even more financial harm. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I've been trying to log into Ally bank for the past 3 days to access my account, however, the service is down and I'm not able to see my balance, nor do anything with my money. 

For an online banking service this is unacceptable as Ally is neglecting customer issues and only providing vague response such as " We're working on this and do not have an estimated time for fix ''.
Product: Mortgage

In XXXX we had a mortgage with countrywide financial corporation due to the economy. We had fallen behind in our mortgage and was looking like we were not going to make a second monthly payment so we called countrywide and started the process of loan modification. we asked the representative if we needed to try and make a payment and they told us no that the loan modification puts past missed payments back into the modification And that the process would only take 30 to 60 days. Long story short after complying with all their needs and request and calling every week and being told everything looks good constantly questioning why it is taking so long after 13 months to have a sheriff show up at our front door only to tell us our house is being foreclosed on. I immediately called countrywide and they told us to modification did not go through without any explanation to say the least, we were shocked, constantly calling countrywide, trying to find out why we were declined and why it took so long only to be passed from one department to another never getting an answer. We were in a panic and feeling of the despair and betrayal, especially since things had changed with our business and was looking good, but the only way we could get in good standings was payback all of the past payments and that was not a possibility so we had no choice but to file bankruptcy to try and save our home. in early XXXX we did just that and stopped the foreclosure process at this point I do not believe countrywide existed anymore and the bankruptcy court was dealing with Bank of America. We went through the entire process all over again, trying to modify the loan with Bank of America it took so long that our bankruptcy was discharged and Bank of America never modified our loan after hundreds of phone calls and XXXX knows how many documents we were right back at square one so in XXXX we had to file bankruptcy again start the process all over again. Bank of America modify our loan in XXXX and have been current on that loan since. That was 11 years of living XXXX especially since in XX/XX/XXXX I was involved in a car accident and was critically injured. I suffered a broken neck and suffered a brain injury and have been on XXXX since. 
The worst part is Bank of America is saying on top of the original loan amount of {$590000.00}. We owe back payments of XXXX. I really hope you can help. I am not sure, but I think we could be part of the justice department verse Bank of America settlement in XXXX.
Product: Debt collection

i had sent out a verification letter to Zales on XXXX/XXXX/XXXX with no letter from them verifying anything that I had sent, since the 30 days has pass for verification they want to sent a letter on XXXX/XXXX/XXXX threatening to sue me for the bill that has not been verified by them. 
I 'm also sending them another letter on today XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a data breach and have identified fraudulent accounts and credit inquiries on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of all accounts and inquiries associated with unauthorized activity. 
XXXX Accounts : XXXX XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX Account No. XXXX Opened XX/XX/XXXX Balance : {$740.00} XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$13000.00} Fraudulent Inquiries : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint regarding the fraudulent accounts and information I found on my Credit File. Im submitting a complaint to you XXXX to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} 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 Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 XXXXR XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than XXXX XXXX XXXX after the date of receipt.
Product: Credit card or prepaid card

During the week of XXXX2021, I received a Pre Selected offer of a cash bonus credit card from Capital One. On Sunday of that week, I went online to apply for this card. I had been given a Reservation # and Access Code.

The application took all of my contact information, including my birth date, annual income and Social Security number. The very last requirement ask me to take a video of myself and upload that along with a photo of my State ID. At XXXX, this is something I could not, nor know not, how to do! As a result the website stated that my application was DENIED. Ok, no problem. 


However, a few days later I received a voicemail from Capital One, suggesting that " a credit application was made by someone using my personal information '' and I should call their Fraud Dept XXXX XXXX XXXX XXXX to discuss this concern. Even though I thought I was finished with this issue, I did return the call and spoke with a woman at that number, confirming that I had filled out an application, but it had been DENIED. She said that if I sent XXXX forms of ID to the company, it could be processed. I clearly told her [ this conversation was recorded by the company ], that I did not care to send in that information and I DID NOT WANT THIS CREDIT CARD. Case closed, right! 


Today, XX/XX/2021, I received a Credit Card in the mail. It was from Capital One, but lacking any information regarding the cash offer. Calling the company at XXXX XXXX XXXX XXXX, I complained about the unsolicited card. I was told by the representative, XXXX, that the account was open, that I HAD applied for it, but it was " restricted '' until I sent in XXXX forms of ID. REALLY??? I requested that this account be closed and without reporting it to the credit reporting agencies, since I had not approved the application. I was informed that was not possible. 


It is my understanding that an unsolicited credit card is an illegal action, according to Regulation Z, the Truth In Lending Act. I do not understand how a website saying Application Denied, along with a phone conversation saying I did not want the card have become such a hassle for me? What does this company expect from an elderly, old school lady, following their error in issuing a card? How can Capital One not offer to cancel this unwanted card and also maintain my stellar credit rating - by not reporting their error - as a measure of good will or simply as the right thing to do? 


Please advise how to finalize this unfortunate and time wasting issue.