23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our current mortgage service has been problematic since the onset. They have claimed we were behind on payments for the beginning. We have exhausted all means to rectify the issue and have had no help or resolution. We have consistently requested an accounting for the payments we have submitted and they will not provide the information. Due to the companys start up nature, they are not effective at communicating with customers. We were facing financial hardships while out of work for XXXX issues, they would only offer a modification to the loan and no forbearance or deferment. Causing a worst financial situation for our overall experience, they sent our loan to a lawyer and treathtend foreclosure on 3 occasion. We have settled all back payments, however we believe we have over paid and they will not send us an accounting for our account.
Product: Credit card or prepaid card

Been a customer of Bank of America for 20 years and have had this card for about just as long with perfect payment history. This are tough times right now with covid19 impacts and for Bank of America to provide such an awful experience for what seems like mistake in the system, it is just awful. 

Interest was charged on a purchase from the day of transaction. Even though it states " We will not charge interest on purchases on the next statement if you pay the amount by the payment due date ''. I called Bank of America twice and was told purchase had to be paid off before the close of statement cycle since there was 0 % Balance Transfer on account.

To provide additional context there is only one purchase transaction in entire billing period. Purchase date XX/XX/XXXX, statement close date XX/XX/XXXX, payment due date XX/XX/XXXX. Payment was made XX/XX/XXXX to cover the purchase amount and additional payment was made on XX/XX/XXXX to cover more than min payment needed to cover balance transfer. Both payments are made well before XX/XX/XXXX due date. Interest charge in question is {$21.00} that the bank is not able to provide explanation as per the cfpb rules. It is not about the amount anymore but about the principle of it. Tons of bail out dollars from taxpayers and when roles are reversed with Covid-19 and main street needs help, still sucking every fee out of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX I XXXX XXXXConsumer to Experian am I requesting your agency do an independent investigation for the account listed above with XXXX XXXX. PLEASE DO NOT PARROT BACK USELESS UNVERIFIABLE, INCOMPLETE, INACCURATE INFORMATION. I have disputed this item several times and your company has not done an investigation as required and you have refused to send me all of the requested documentation. XXXX, XXXX, AND EXPERIAN ARE EACH REPORTING COMPLETELY DIFFERENT INFORMATION THROUGHOUT THIS ENTIRE ACCOUNT. 

I never had an account with this company. I have no knowledge of this company. I have no knowledge of owing this company at all. I never gave this company my written consent or permission to obtain any information about me nor did I give this company permission to publish any information about me. I never signed anything making XXXX XXXX  the ASSIGNEE. 

I AM REQUESTING YOUR AGENCY CEASE OF ALL REPORTING WHILE INVESTIGATION IS IN PROCESS. IF YOUR AGENCY CAN NOT PROVIDE EACH AND EVERY DOCUMENT, I REQUESTED IN THE TIME ALLOWED PERMANETLY DELETE THIS ACCOUNT FROM ALL CONSUMER REPORTS IMMEDIATELY. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY ACDV- PLEASE PROVIDE FROZEN SCANS- PLEASE PROVIDE CONSUMER FILE, CONSUMER REPORT, FILE DISCLOSURE-PLEASE SEND I AM REQUESTING MY CONSUMER FILES AND CONSUMER REPORTS-BOTH ARE REQUESTED. 

I DEMAND YOU VALIDATE/VERIFY THIS INFORMATION PROVIDE DOCUMENTATION BEARING MY SIGNATURE. 

MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF WILLFUL NON-COMPLIANCE, WILLFUL NEGLIGENCE AND YOUR CONTINUED VIOLATIONS OF THE LAW THIS SHOULD ALL BE COMPLETE UNDER 30 DAYS AS YOU FAILED TO DO PROPER INVESTIGATIONS WHEN PREVIOUSLY REQUESTED. 
CURRENTLY YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL. 

15 U.S. Code 1681n 15 U.S. Code 1681i CEASE ALL CONSUMER REPORTING WHILE INVESTIGATION IS IN PROCESS PERMANENTLY DELETE IF UNVERIFIABLE, UNABLE TO SEND ALL REQUESTED DOCUMENTS. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY
Product: Checking or savings account

Requested a transfer from Marcus through XXXX  XXXX on XX/XX/year> in the amount of {$38000.00}. Marcus froze my account on XX/XX/year>.
Product: Debt collection

I was listed on a lawsuit filed by Kramer and Frank P.C. which I am not a party to. This was on my wife. She had the insurance in her name and some how my name was added to this. I have no ties to this debt and they are threatening me with garnishment. She only listed me as an emergency contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft.  The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value.  Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit card or prepaid card

This dispute is involving a purchase of XXXX refundable international flights in XX/XX/XXXX with XXXX XXXX for {$5800.00}. I was overcharged {$310.00} for which I was given a credit by my credit card. XXXX weeks before the flight was supposed to leave I called to check on the COVID requirements and the airline informed me my tickets had been cancelled due to a card issue and they would not refund me and I would need to seek resolution from my credit card. Additionally, I have not been able to reach the airline by phone as their call center has been turned off. 

XX/XX/XXXX I called to request full amount to be disputed to recieve {$5800.00} and was told I would need to withdraw the initial {$310.00} dispute. I was told my card would send me an e-mail to confirm the initial dispute was withdrawn and issue me the credit of {$5800.00} while they investigates- this never happened. My case was also forwarded to customer advocate to call me and they never did. 

Again I requested for the dispute to be withdrawn on XX/XX/XXXX due to wanting to dispute for the full amount of {$5800.00} instead of the partial amount that was initially requested for {$310.00}. 

On XX/XX/XXXX the apple agent went ahead and processed the withdrawal request through the " correct way ''. I was told by the credit card representative they had made errors on my account and they we able to see I was wanting to dispute the whole {$5800.00} but it was changed again to {$310.00} and in a pending status. The representative said she never saw something like this and it looked like a technical error. The dispute withdraw verification email was supposed to be received by now or within 3 days and it was not. 

On XX/XX/XXXX the issue was escalated and a case was opened by a dispute specialist due to the withdraw request not being taken care of. 

XX/XX/XXXX case escalated again, dispute manager to call within a week and has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau is reporting an account on my credit file that needs to be removed. I took a look at my credit and noticed that Knight Adjustment continues to report a collection on my credit despite me paying it. I am aware that Knight Adjustment can report to the bureaus as they deem necessary. I ask that they delete this collection and provide me with a letter stating the bureaus should remove this account. If I do not receive said letter, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to legal proceedings against Knight Adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a consumer in fact a natural person on XX/XX/2021 noticed on my consumer report from Equifax several inaccurate and unfair practices. Equifax breached my right to privacy by furnishing a consumer report that I never gave them written permission to furnish pursuant to 15usc1681 ( 2 ). It has been damaging my reputation badly and my public confidence. This false report has not been equitable to me at all. Equifax is in violation of 15 usc 1681n and 15 usc 1681o for willful noncompliance and negligent noncompliance for failing to comply with federal law. I authorize the federal trade commission to enforce compliance with the requirements of the subchapter under the federal trade commission act. Pursuant to 15usc1681s ( 2 ) I demand compensation for the harm and injury that Equifax has brought upon me the consumer for knowingly violating and practicing the behavior.
Product: Debt collection

I filed a dispute with all three credit bureaus and stated the frca laws and XXXX XXXX standard that were being broken and not up held. The debt was sold to a third party company and my obligation was not with the third party company. I didnt have an agreement or obligation with the third party company. The original company sold my debt without my knowledge or permission
Product: Credit reporting or other personal consumer reports

on XX/XX/ i sent a letter regarding inaccurate information and unknown things on my credit report to this day 30 days later i havent recieved a response yet. I feel like Im being taken advantage of and my disputes are being ignored. Section 611 ( a ) says failure to investigate within 30 days gives reason to immediately remove those items. I demand these accounts be removed immediately. My info was also compromised during the XXXXXXXX XXXX
Product: Checking or savings account

Someone opened up XXXX accounts with TD Bank under my name, and gathered information from an XXXX account. They purchased random items on XXXX XXXX, and XXXX using these XXXX XXXX cards which shipped to my house. They then purchased a {$100.00} gift card and shipped it to their own address using one of those debit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I XXXXay be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.
Product: Credit card or prepaid card

I'm a XXXX that was abroad as and internship ; this card app did not accepted my payments from abroad and there was no way possible to apply payments or contact them from the country I was ; also as the balance went into red, they disable the app and i just couldn't get any more info about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

a viN @ 58 % Search 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

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. XXXX XXXX : # XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX  # 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 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 than records of convictions of crimes which antedates the report by more than 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 reporting or other personal consumer reports

I am writing to request the removal of unauthorized fraudulent credit inquiries on my XXXX credit report. My latest credit report shows number of hard inquiries i am disputing credit inquiries that I did not authorize I am writing to dispute the following inquiries and ask for their removal from my credit report. 

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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried to retrieve score from XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00}
Product: Debt collection

I have been contacted by several debt collectors attempting to collect a debt that is not owe to them. When asked to provide proof and validation of debt, they were unable to.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX {$900.00}
Product: Student loan

i made payments on this student loan with XXXX XXXX XXXX XXXX XXXX for 10 yrs and i now owe more than i borrowed.. have attempted to get copy of all payments and where money went without success..i have filed bankruptcy in XXXX was told did not want debt added to my bankruptcy but made separate..says i owe over {$8000.00} but will take XXXX over 60 months..
Product: Credit reporting or other personal consumer reports

They company is in violation of my consumer rights as outlined under the FCRA. According to the FRCA, all information on a consumer credit report must be 100 % accurate and verifiable. The company has included fraudulent, inaccurate accounts on my consumer credit file making the min violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.
Product: Debt collection

I WENT TO MACYS TO BUY SOMETHING, AND I WAS APPROACHED BY A SALES ASSOCIATE. SHE TOLD ME THAT SHE HAS A MACYS STAR PASS FOR 20 % OFF MY PURCHASE AND THAT I NEED TO GIVE HER MY NAME AND SOCIAL. I EXPLAINED TO HER THAT I AM NOT INTERESTED IN A MACYS CREDIT CARD, SHE SAID THAT IT IS NOT FOR A CREDIT CARD. THE SALES ASSOCIATE GAVE ME A MACYS STAR PASS AND I BOUGHT BABY CLOTHES AND A QUILT. A MONTH LATER I GOT A BILL OF A CREDIT CARD FROM MACYS. I HAVE NEVER RECEIVED A MACYS CREDIT CARD AND I WHAT I BOUGHT THAT DAY I PAYED IN CASH AND I USED MY MACYS STAR PASS. NOW MACYS IS SENDING ME BILL RECEIPT STATING THAT I OWE THEM. I WENT TO MACYS TO SPEAK PERSONALLY WITH THE SALES ASSOCIATE WHICH I WAS TREATED VERY BADLY AND I AM STILL DEALING WITH AND STILL BEING BILLED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXXXXXX XXXX XXXX and it has not been corrected. The accounts are still reporting wrong on my credit report but it is already closed. The accounts have been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I want you to correct this misinformation on my file. 

XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Product: Student loan

I am the co-signer on the loan for my son. He is unable to take off work to submit a complaint. XXXX College in XXXX, WI is the name & location of the school. We took out this loan in XXXX and were not provided with the note disclosure statement which said that the total amount due by the end of the payment period was {$46000.00}. Had we seen that paperwork, we would n't have taken out the loan. Due to our lack of ability to make all of the payments on time, our {$12000.00} loan now has a balance of {$13000.00} as of XXXX/XXXX/XXXX. We contacted AES the servicer to determine how we could rectify this situation and were told to make {$73.00} payments. We began making {$75.00} payments XXXX XXXX of XXXX. We were unaware that the payments being made were only covering the interest. Our payments have increased to {$160.00} a month and have been consistent since XXXX of XXXX. We understand that our interest has accrued due lack of payment but since we were not made aware of the full amount we would be required to pay, we would like a concession on the remaining balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see 2 credit inquiries on XXXX XXXX that are not mine or were done without my knowledge. From XXXX   XXXX and US Bank both on XX/XX/18.
Product: Credit card or prepaid card

I reached out to Barclay because my interest was higher last month even though I made a payment and did not use the credit card. I say that in a month 's time the interest went up 0.25 %. I called and they said there was nothing they could do. I looked back at other statements and they had done the same thing. I never received the 45 day notice that my interest rate was increasing. The first undisclosed raise was in XX/XX/22. No emails, no letters, or any other types of notification. The same happened with XXXX XXXX, XXXX, and XXXX XXXX.
Product: Debt collection

CREDIT SYSTEM INTL IN is claiming that I owe them { {$150.00} } but this debt is not mine. I am a victim of identity theft. Please Remove this inaccurate collection from my report. Attached is my notarized affidavit and police report proving identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX