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

Bank of America has asked me to file his complaint Please don't close this again at both mine and Bank of America 's request until it has been sent to them. They are unaware of the below information. 

There were a few things I wanted to bring to your attention. 1. I was told when I first filed the complaint that it was well within the time limits to get the charge reversed. This was reinterated on a second phone call. 2. I was told when the resolution finally came forward, that there were just too many other people that had filed and they never got around to doing proper research and thus had missed the subsequent deadline to actually take action. 3. I had rented three units with XXXX properties and was overcharged on two of those rental units. One I had paid for with Bank of America Credit Card and the other I utilized my XXXX XXXX XXXX. I filed claim disputes with both at the exact same time. XXXX was able to reverse the charges working with the condo rental company. Given they were both XXXX cards and were for the exact same dates ( both the initial charges and the filing of the disputes ), I don't think your explanation makes complete sense to me. Can we escalate this as not only do I want the {$320.00} reversed and sent back to me but I want to help improve your systems for other clients. I look forward to hearing from you. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX XXXX, in which I did not open, is showing on the credit reports associated with my social security number inaccurately as per the following information : Account Status : The status of the account in TransUnion and XXXX is open, while in XXXX, it is closed. 

Payment Status : The payment status in TransUnion and XXXX is late by 60 days, while in XXXX, it is late by 90 days. 

Last Reported : The last reported date in TransUnion is XX/XX/2023, while in XXXX, it is XX/XX/2023, and in XXXX, it is XX/XX/2023. 

The credit report 's inconsistencies violate Section 611 ( a ) ( 5 ) and 611 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) ( 5 ) requires that credit reporting agencies report the correct account status, which includes whether an account is open or closed. The inconsistency in the account status between XXXX and TransUnion violates this section of FCRA. 

Section 611 ( a ) ( 6 ) requires that credit reporting agencies report the correct payment status of an account. The inconsistency in payment status between TransUnion and XXXX violates this section of FCRA. 

The credit report 's inconsistency in the last reported date violates FCRA Section 611 ( a ) ( 2 ), which requires credit reporting agencies to report the most recent date that an account was reported to them. 

Overall, the credit report 's inconsistencies show that the credit reporting agencies have not maintained accurate and complete information as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Though I may have a paypal i only ever used it to send and receive money some how my account is saying im applying for credit and im not and believe it maybe fraud.
Product: Mortgage

This lender used unethical practices to secure a fraudulent pre qualifying letter, paying for inspections, home appraisals, and earnest money, and then the weekend before closing telling us we did n't qualify for a mortgage. This lender has affected multiple individuals in the real estate sector, and consumers. The lender and the company was very unethical, and cost us much money. I expect to be paid full restitution of damages. This place is horrible, very disrespectful, and unethical. They should n't even be open for business.
Product: Debt collection

In 1998 XXXX XXXX turned over an unpaid bill for {$840.00}. To Pinnacle Collection Agency. ( This debt is not mine. I have never had services with XXXX XXXX. ) I have written to them previously and informed them that this is not my debt. I asked them to send me proof that this debt was indeed mine. They sent me copies of phone bills. ( Not a contract signed by me ) They have assigned the same debt to another Collection agency. I need help getting this information removed from my credit profile and stopping these folks to continue to contact me for a debt that is not mine. I thank you in advance for your assistance in this matter. 

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

Under the Gramm Leach Bliley Act I have the right to opt-out of getting my non-public information shared with non- affiliated party. Experian, XXXX and XXXX are non-affiliated Third parties. XXXX and XXXX have violated my rights by sharing my personal information along with inaccuracies by XXXX, XXXX and Experian are not affiliated with any financial institutions. They have violated my rights with not providing me with an opt-out disclosure. As a consumer I have a right to privacy and also I have a right to opt-out of getting my non-public information shared with Third parties. I have disputed these claims from all three bureaus with a certified letter and Experian has sent it back as being verified. However, has not provided any information on who it was verified with despite alleged debt being inaccurate.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting

Already dispute with experian. They will not let me dispute again, said they already investigated and will not reinvestigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information and documents were provided to Experian in efforts to remove negative information being reported by Experian, however Experian has not removed the negative information.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request to date disputing an erroneous Bankruptcy that has been placed in the public records section of my consumer report. The credit reporting agency has yet to show proof of how the Bankruptcy was verified. I have requested under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I requested the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted regarding this alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I have yet to receive any of this information.
Product: Mortgage

Violation of Fair Credit Reporting Act. Re-aged Voluntary Surrender from XX/XX/XXXX to XX/XX/XXXX. 

Contacted Vanderbilt Mortgage on XX/XX/XXXX to settle mobile home mortgage collection account that was a voluntary surrender in XX/XX/XXXX. Spoke to XXXX. 

Balance due : {$5000.00}. 

Agreed to settle for {$1200.00} within 90 days with remaining balance to be forgiven. 
Made the following payments via www.vmf.com online payment system : XX/XX/XXXX {$250.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} Settlement paid in full in 37 days. 

Credit Bureau payment submissions by Vanderbilt Mortgage ( XXXX ) :  XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX ) - Collection Account - Balance {$5000.00}. 

XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX ) - Balance {$4400.00}. 

XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX ) /Account Paid for less than full balance/Account Paid in Full, was a voluntary surrender - Payment " OK '' ( XX/XX/XXXX ) Balance {$0.00}. 

( XX/XX/XXXX - Spoke to XXXX concerning XXXX not being updated with a {$0.00} balance. He was rude with me and told me to " take it up the the credit bureau. '' I filed a dispute with XXXX  the same day due to Vanderbilt Mortgage failing to update balance on credit file. ) XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) **XX/XX/XXXX Voluntary Surrender payment history deleted** - Account paid for less than full balance/Account paid in full, was a voluntary surrender - Balance {$0.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Nevada XXXX Re : department collections attempt that is staturiel time barred To Whom This May Concern, I, XXXX XXXX, received several phone calls regarding a debt that is being claimed against me. I sent this company 3 certified letters, Re : CEASE AND DESIST ADDENDUM, attempt that is staturiel time barred and requested a verify the total debt amount, including any fees, and who the original party that is making the claims, Its successors, and - or assigns. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) called me and Threatened to sue me they refused to talk with my lawyer. the creditor told me that I had till Monday to respond other wise they are taking me to court. XXXX XXXX XXXX XXXX XXXX told me the dates of this dept was from. XXXX, XXXX and XXXX. 
The earliest point at which you could have sued for the full balance owing to this debt was more than six years ago. I told them this account is staturiel time barred. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) I called back and I told XXXX that the call was being recorded and that I needed i needed more information, She told me that after our conversation that this account has been moved to the fraud department. She said that she didn't have much information regarding my account. I asked for the mailing address. 
I do not admit liability for this alleged debt, and I do not intend to make any payments to for the following reasons : The earliest point at which you could have sued for the full balance owing to this debt was more than six years ago No payment has been made to this debt by me, any joint account-holder, or any third party acting as my agent for a period of more than six years No written admission of liability for this debt has been made by me, or any third party acting as my agent for a period of more than six years. 
This debt is therefore Statutory time barred and any court claim to recover it will be defended on this basis. 
If you have evidence that this debt isnt statutory time barred, please send it to me within 21 days from today. Otherwise, please confirm in writing that you wont pursue me any further for this debt Thank you for your help.
Product: Checking or savings account

Issue started maybe Wednesday ( XX/XX/XXXX ) night, but definitely Thursday ( XX/XX/XXXX ) morning. 

Called Friday ( XX/XX/XXXX ) morning and documented the issue with IT. 
On the Ally mobile app, the Ally website, and the Ally mobile website, both me and my husband- can't deposit checks - can't transfer between accounts - can't see balances - can't see transaction details This impacts all 5 checking accounts and 10 savings accounts ( some of which are just in my name, and some of which are jointly owned by my husband ). Our debit cards all still work, but we are hesitant to use them without knowing what our balances are. 
The IT guy said it was a weird error, and he couldn't access any of those things on his end either. 

Called again on Saturday ( XX/XX/XXXX ), and they said they still couldn't see any of my information on their end, either. I told customer service I needed to pay bills on the XXXX and they said they'd make a note. 

Called on Monday ( XX/XX/XXXX ), customer service said they were working on it with no ETA. 

Called on Tuesday ( XXXX ), made customer service transfer me to IT. IT said no ETA. I asked if I needed to just open an account at another bank, and IT agreed to escalate it. 

Called on Wednesday ( XXXX ), customer service transferred me to IT, IT said no ETA, but they would escalate it. They asked me to ask my utility companies to give them a few days to figure it out. 

It's now the seventh day, and I can't deposit my paycheck, transfer money to the account I need to to pay my XXXX bills, see my account balances, etc. The agents at Ally can't do these things for me either, because of the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, THIS NOT A DUPLICATE COMPLAINT, I'm sending this complaint because of new evidence and because Transunion Credit Bureau has rejected my dispute as I found out today on XX/XX/XXXX  by phone call to Transunion. 
I been told that my personal information is incorrect or not matching with my proof of address or my FTC report, So FIRST I want to as Transunion to update my personal information on my report : I'm providing my proof of address as well and my current address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX. 
Also there is one hard inquiry on my report that I have never authorized and I have filed FTC report for that matter, I believe I'm a victim of Identity theft and that hard inquiry is the result of fraud. This is not a factual data and must be removed from my report as soon as possible. My report number is : XXXX. 
Please update my personal information on my report and remove that fraud inquiry from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a person with the same first and last name as me and we share a birthday His middle initial is XXXX. Mine is XXXX. I have never lived in XXXX or XXXX CA. 
I have had this problem for over 20 years. 
He owes back child support. I am XXXX with no XXXX. 
Please help Thank you
Product: Mortgage

Navy Federal insisted on charging nonrefundable fees paid to third parties prior to the 3-day rescission period. The lender thereafter terminated the transaction and has not provided a refund of all fees including those paid to third parties in violation of Regulation-Z. Even though I explained to Navy Federal repeatedly that the seasoning application criteria being applied to me to secure the denial could not apply, I have been notified that the file has already been decisioned and I would need to file another application and take additional credit inquiry at additional cost. Because Navy Federal has not provided a refund of all fees for canceling the transaction, I believe Navy Federal is acting in bad faith. Causing applicants believe all fees are not refundable if the transaction is canceled by the lender or rescinded by the applicant within the 3-day period is not supported. Navy Federal repeatedly insisted on paying fees when it appears it had no intention of honoring the application. Also, Navy Federal made it appear that they wanted more information to further the current application on XX/XX/2022. Shortly thereafter it is clearly apparent that Navy Federal is merely gathering evidence in bad faith to better explain and justify itself before CFPB for complaints # XXXX and # XXXX involving this application. Navy Federal has also suddenly begun to divert the applicant away from his VA backed benefit and has suggested he to reapply or to make applications for other loan products less beneficial to XXXX veterans. NFCU to directed me to explain among many other things in bad faith, that I was no longer experiencing a hardship in a letter but used the fact that I received credit suppression protection as the sole reason to deny the application considering me as an undue credit risk applying seasoning improperly. I was led to believe verbally over the phone that I could provide further evidence or a letter from the current lender to overturn the underwriters denial decision on XX/XX/2022. After providing it the evidence is being misinterpreted in bad faith to preemptively justify the denial before the CFPB. Specifically, regularly scheduled contracted consecutive payments are being misidentified by the lender to add insult to injury. As of XX/XX/2022 the stance is that a decision has already been made and the evidence is being gathered to support some future application.
Product: Credit reporting

XXXX have my ssn wrong, when I had an original complaint they were unable to located my information due to the fact that they had my information wrong in the system.
Product: Student loan

In XX/XX/XXXX, MOHELA incorrectly charged me {$190.00}, which is {$80.00} higher than what was indicated on my Repayment Schedule ( {$110.00} ). Further, I was not supposed to be required to make a payment as high as the payment charged until XXXX, which I explained was necessary in months of contacting MOHELA between XX/XX/XXXX and XX/XX/XXXX about repayment options. 

MOHELA is not my only loan servicer, and the private servicer ( XXXX XXXX ) does not let me alter my repayment plan, requiring $ XXXX per month in addition to my rent, living expenses, and other debts. I can not afford mandatory monthly payments over {$150.00} at this time due to these other outstanding debts and payments, as I have stated repeatedly in many attempts to contact MOHELA about this matter and my situation. 

MOHELA has not sent me a Repayment Schedule for the amount charged to me in XX/XX/XXXX or any explanation for the discrepancy. Instead, after the unexpectedly high payment was due, they sent me another Repayment Schedule for {$180.00} which is {$15.00} less than what they charged to me in XXXX. I still have no documentation, communication, or clarification about why I was charged the higher amount in XXXX. I also do not have any communication about why it's not possible to stay on the graduated Repayment Schedule I had been on since XX/XX/XXXX or what other alternatives I have at this point. 

Now, I have a late payment notification despite many attempts to contact MOHELA in XXXX and early XXXX before there was a problem. It has been about 10 days since the payment became late and I still do not have any message from MOHELA, just a payment reminder for {$180.00} plus the overdue {$80.00}. I don't understand how they can just change my payments suddenly and without any explanation or documentation for the new plan, and ignore all my questions and contacts. 

I'm grateful I never turned on AutoPay or who knows how much they would've taken.
Product: Credit reporting or other personal consumer reports

I have not supplied proof Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Bank account or service

I have a debit card with TD Bank. I have been charged for overdraft transactions that I have n't agreed to. The reason for the charges, as they explained me at the bank, was because the check I deposited was not cleared when I proceeded to use my debit card. As such, I was charged the amount of XXXX dollars each time I used my debit card during the time my account had XXXX funds available ( XXXX dollars in total ). As a debit card holder, I assumed that I would not be able to proceed to transactions when my debit card has XXXX funds. I never agreed to such charges or the service provided as a " courtesy '' from TD bank as the employer of TD bank told me. Important to note that when I opened my bank account ( at XXXX, XXXX location ) they did n't point out that such a service is provided for my account. To me, this does not seem as an implied term, but rather corresponds to misleading information and unjustified enrichment by the part of the bank. The purpose of having a debit card was exactly this, to avoid overdraft charges!!! While using my debit card I was not aware that I did not have enough funds and I did not consent to any overdraft charges.
Product: Consumer Loan

World Finance Corporation called a reference looking for me on XXXX XXXX, 2016. My reference was n't sure if it was a scam or something, so she asked to verify some information about me. She demanded that they give her my social security number and the representative from this company disclosed my information. I was under the impression by law, this is illegal to do.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.