23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX and I have been a Bank of America cardholder since 2008. I am sending this message as a complaint against Bank of America due to a mishandling of my request. I had contacted them regarding the removal of some interest on my balance, which I had paid in full. I requested a refund of the interest that was charged, but the representative I spoke to denied my request in a rude manner. I asked to be transferred to the manager, whose name is XXXX and who is located in the Texas branch, and she also spoke in a rude manner and denied my request. I, finally, contacted the corporate office and spoke to XXXX XXXX, who was also unprofessional. I explained to all of them that I had a family emergency, which I was forced to attend, and which resulted in my balance accumulating interest in the meantime. No one was willing to understand my situation even though my payment history is pristine and I have always paid higher than the minimum. I am humbly requesting if I can get a refund for the interest that was charged on my account. It would really help if Consumer Finance can help me resolve this issue. 

Thank you, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

I had 4 accounts with conns. They sent settlement letters month after month on the charged off accounts. I took the last one they sent and sent a settlement letter and check for each account for that amount. My letter stated if this wasnt a good settlement anymore, to shred the check and let me know. They cashed all 4. They then took the check amounts and are reporting all accounts as still having a past due balance as if they have not been settled. Now they are sueing me for the balance on the account ending in XXXX as if these are not settled debt. i have sent dispute after dispute. They keep reporting past dues on a charge off ( not allowed due to FCRA ) to keep updating my negative accounts to new every month. Accounts have been closed for a year. The bureaus refuse to investigate my pictures and delete on their own as you can see in my documentation i am correct. Please help me get these accounts settled as they should be with conns so collections cease and deleted from my reports as i have files full of documentation of them repeatedly updating my accounts after disputes to make them hurt my scores more each time i dispute. This is shady business practices. I want this on consumerfinance.gov as conns has done nothing to repair the situation. I also had a positive account in XXXX ending in XXXX they updated with a charge off status in XXXX ( 7 years later ) and it was never a charge off! They refuse to remove it.
Product: Debt collection

A derogatory item was fraudulently added to my credit report for a large past due XXXX bill in someone else 's name. They have this person listed as my " alias '' on the credit report. I do NOT have a XXXX account. The amount is {$3700.00} and was first added in XX/XX/XXXX and reported on XX/XX/XXXX. Approximately 1.5 - 2 years ago, XXXX started mailing billing statements to my address with the name of the other person. I marked the envelop with " return to sender ''. When that didn't work I called XXXX and spoke with a customer service representative. I though they were going to update their records but they never did. I stopped getting mail from XXXX and didn't know about the credit report problem until I applied for a home loan.
Product: Credit reporting or other personal consumer reports

In reviewing my credit report, I came across errors, especially regarding late payments, which do not match my usual payment pattern. Please revise these inaccuracies.
Product: Debt collection

Wage garishment without notice. I was not given a chance to verify this collection or dispute it in anyway as I was not notified correctly in this matter. I have live at my current address for almost 4 years and I am listed under my current address I have not tried to hide all bills are in my name. They are taking 25 % of my pay, for a debt that is from 2010. After the inflation of 3.56 % each year since 2010 I pay {$8.00} per {$20.00} dollars more then I did back in 2010. 25 % of my income is unacceptable during these days and times in the world. Since that debt I have XXXX child XXXX XXXXXXXX XXXX XXXX XXXX in college. They started the garishment with my XXXX check and without notice of this garnishment I was not able to plan for XXXX expenses in advance knowing they were going to take it. My children are affected by this garishment more then myself they are the ones that lose our. I live in a small apartment and drive an old XXXX XXXX van I have nothing and 25 % of my income is from hard work that goes straight to my children.
Product: Debt collection

I have disputed with Ally Financial numerous times that they show I owe them for 2 loans on my credit report. However, its actually the same loan being reported twice. I have submitted 3 disputes through the bureaus directly stating that they have a duplicate trade line but they respond that it is accurate. I do not owe them for 2 loans. It is severly impacting my credit because it shows that I have a higher debt ratio than I truly do.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX my score has dropped XXXX only points due to my credit card builder. And the balance is ONLY {$31.00} and {$62.00} doesnt mean take XXXX points off my score. My score right now is in the low 500s when I know it should be in the high 600s. And I work hard on it and would like all my XXXX points back at least to get me back in the 600s. And then the lady from XXXX XXXX her name was XXXX and she wasnt nice to me. She told me my student loans wont be removed until XX/XX/2022 and I find that not fair because its been over 7 years for many of my loans and in 2022 that means I will be waiting more then 10 years for my student loans to go away. I have tried everything from loan forgiveness to credit repair from disputing everything and these credit companies want me to wait more then 10 years. But I wont dispute anymore because that ruins my credit score too. I want a home I want a new car but I have to wait until 2022. I will be XXXX years old in 2022. I dont want to complain but I have to stand up for me and my children. These credit companies keep treating me poorly.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer 15 U.S.C 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number
Product: Credit reporting or other personal consumer reports

I have been a client of XXXX XXXX XXXX for several years with an excellent on-time payment history. However, after analyzing my credit report I have noticed XXXX XXXX  payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I send all payments promptly, but I'm unsure why the payments were not recorded by the due date. I tried to resolve the issue with the company but they refused to help me as a consumer I feel that my rights were violated.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered XXXX XXXX before the payment due date please provide the proof that this information was mailed out or delivered XXXX XXXX before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have XXXX XXXX to send me all the required information.
Product: Credit card

Hello, After being a US bank credit card customer for 18 years and always paying my bill in full and on time, they totally DEFRAUDED me!!! US Bank incorrectly charged my " no annual fee '' account an annual fee. I contacted them and was told " no issue it was an incorrect charge and would credit the account ''. They did but only many months later and then charged my account appr. {$50.00} in penalties, fees etc. I spoke with XXXX supervisors and both said, " the charge and additional fees were an INCORRECT and would be reversed but I needed to pay the {$97.00} ASAP or it would be turned to collections '' .I paid the erroneous charges under protest. Not only did they not refund the {$97.00} as XXXX supervisors promised, they turned it to collections even though it was paid in full damaging my credit report, causing it to drop XXXX points!! 
This is total FRAUD and ABUSE, please help. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 U.S. Code 1028A, Equifax has committed aggravated identity theft against me as they have obtained my social security number, birthdate, addresses, phone number, and alleged information from creditors including transaction history. I never provided Equifax with this information and plan to report them to the Federal Bureau of Investigation for aggravated identity theft, computer fraud, wire fraud and mail fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found a XXXX account on there in which I disputed with the bureau 's and XXXX due to me NEVER having or authorizing a XXXX account in my name..I am only XXXX years old just turned XXXX in XXXX, Never lived on my own, never had any bills in my name. 

I cant quite understand how the Credit Bureaus are stating they verified this information as accurate, and when I asked them for their method of verification, they never responded with such only another response letter saying that the account was verified. 

I contacted XXXX as well and requested account validation, and asked for an investigation into this account, and again I received no response which is why I am submitting this complaint at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX XXXX acct # XXXX 30 day late payment, XXXX acct # XXXXXXXX XXXX Acct # XXXX, XXXX acct # XXXX XXXX XXXX 90 day late, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX acct # XXXX 120 day late payment, XXXX acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX, XXXX acct # XXXX, paragon rev acct # XXXX, credit coll acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # acct # XXXX, XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX Late payment, self/lead latepayment, has violated my rights. 

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

15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

I disputed information that was on my credit report that is not reporting accurately. TransUnion. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my TransUnion report of the improper sharing by the credit reporting company. TransUnion could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) or the results of their investigation.
Product: Mortgage

We closed on our house in XX/XX/XXXX and property taxes for that year were collected at closing. The original servicer/lender ( XXXX XXXX  ), per our closing agent cashed the check for the XX/XX/XXXX property taxes on XX/XX/XXXX. Our loan was subsequently service released a few months later to LoanCare, whom is now our current mortgage servicer. We received a delinquent XX/XX/XXXX property tax notice early XX/XX/XXXX of this year. We proceeded to email LoanCare on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no return response. It appears per looking at our payment history that LoanCare disbursed payment in the amount of {$2500.00} to satisfy the delinquent XX/XX/XXXX property taxes, which the funds were previously sent and cashed by the original servicer back on XX/XX/XXXX. Essentially we have paid the XX/XX/XXXX property taxes twice with the advancement of payment by LoanCare. We had the understanding that as our current mortgage servicer, LoanCare would contact the original servicer on our behalf to resolve the matter. However, LoanCare just proceeded to advance payment, thus causing us to have a severely negative escrow balance. Our monthly mortgage payment will increase significantly when the next escrow analysis is performed. Please provide any assistance that you can.
Product: Debt collection

I received a notification from my bank in mid XXXX that there was a change in my credit report. Upon pulling my free credit report I noticed that I have a collection listed from Health Care Collection INC XXXX XXXX XXXX XXXX AZ. They claim the XXXXXXXX XXXX XXXXXXXX XXXX XXXX was the original creditor form a visit 2 years ago. 

They never contacted me about it and gave a chance to rectify the situation. 

I paid the deductible and my company sponsored insurance paid all the cost associated with the hospital stay. So this new bill after two years is a news to me. I was never given a chance to address it.
Product: Checking or savings account

US Bank been giving me the run around about my account and they say my account is close still I have not received my money that's still in my account, Also talk with different people workers within XXXX XXXX say its closing and others saying it close if they going to keep it open than i should be allowed to use my account if you going to close it than send my money in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$18000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Family Support Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Collection account. {$18000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$18000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX , NY XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I received a notice of wage execution for a debt that is 9 yrs old. We contact the original account holder in the beginning of this account to advice them that due to medical reasons I could not keep the account, and they failed to comply. Years later, they are till pursuing this account. 

Needless to say its 9yrs old and they are out of time as far as collecting, reporting and wage execution.
Product: Vehicle loan or lease

I spoke to Wells Fargo Auto on XX/XX/2023 informing them that Im unable to afford my monthly auto payments. I was informed by the associate that Im eligible for a 3 months deferment based on the history of the account. 

The reason for requesting a deferment was because Im a self employed businessman and business has been slow since the beginning of the new year due to reduced consumer spending and increased inflation. 

As a result weve experience over 80 % decline in sales on a month by month basis which qualifies as a financial hardship. 

Ive already liquidated my shares and stocks and the proceeds are expected to arrive by XX/XX/2023. 

Im now asking that Wells Fargo Auto grant my deferment request for at least 60 days that way I can resume my regular auto payment beginning XX/XX/2023.
Product: Mortgage

FROM THE DATES XXXX TO XXXX I HAVE BEEN MAKING PAYMENTS IN TO A CONVENTIONAL LOAN. THEY TOLD ME NUMEROUS TIMES THAT IT`S NOT. MY LOAN SHOULD BE A FIXED RATE. I AM REALLY RENTING MY HOME NOT BUYING IT. THEY SAY I HAVE A MORTGAGE OF {$240000.00} LAST YEAR I PAID PROPERTY TAXES OF {$4100.00}. BUT I AM PAYING PROPERTY TAXES FOR A HOME COSTING {$340000.00}. I SHOULD HAVE A FIXED-RATE MORTGAGE, THE PAYMENTS ARE THE SAME FOR THE LIFE OF THE LOAN. WHEN RENT INCREASED IN XXXX THEY ADDED {$50.00} TO MY MORTGAGE PAYMENTS. AND WHEN I MAKE MY NORMAL MONTHLY PAYMENTS THEY ALWAYS SAY THEY ARE TAKING IT OUT OF THE ESCROW. BUT IT WAS A RENT INCREASE ADDED TO THE XXXX XXXX I HAVE. THE PROPERTY TAXES PAGES HERE SHOULD IN DETAIL SHOW I AM OVERPAYING PROPERTY TAXES.
Product: Checking or savings account

PLEASE SEE ATTACHED XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX Bank Of America XXXX XXXX XXXX XXXX, FL XXXX XXXX RE ACCOUNT NUMBER Checking XXXX XXXX XXXX and Regular Savings XXXX XXXX XXXX RE : Disputed Account Notice to Furnisher Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity Notice to Furnishers of Information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to have this corrected. This inaccurate reporting is harming my credit score.
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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX