23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank Of America refusing to add my checking bank account to make a payment towards my credit card. They do this on purpose so the the customers delayed in payments and they can charge a crazy amount of APR. I demand Bank of America to add my checking account from capital one that they know about it and its already has been tried to linked to the Bank of America app. Otherwise Bank of America will not receive any payments at all. Its a Bank Job to make sure to accept all legal forms of payments!!!!
Product: Credit reporting or other personal consumer reports

My consumer information was used to apply for credit at the 3 creditors listed without my knowledge and/or consent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$910.00}
Product: Debt collection

On XX/XX/21 at XXXX I sent an email to Orion Capital Solutions requesting that they cease all phone contact with anyone regarding this issue and requested that all communication occur in writing. I followed this up with a phone call to XXXX at approximately XXXX. I spoke to XXXX at extension XXXX and was told that my written request was received and that no more calls would occur. At XXXX I was contacted by a third party that XXXX had just left them a voicemail asking for my " location information ''. This is a clear violation of the FDCPA and I am entitled to relief.
Product: Checking or savings account

My checking account was fraudulently taken over on Saturday XX/XX/XXXX night. I spoke with a Chase representative from XXXX who indicated the transactions had been flagged and needed to confirm them with me. Upon confirming they were fraudulent, I was told I would need to go to a branch on Monday XX/XX/XXXX to provide identification and open new accounts. Monday morning arrives and I go to the branch to be told that my accounts are frozen and that they cant open any new accounts for me because Chase has banned us from being customers and they can not give me any funds because there are pending transactions and that a cashiers check will be sent in up to 10 business days. I called the customer service line on Thursday XX/XX/XXXX and Im told that they will be able to give me a portion of the funds but only in cash and to call back Friday morning so they can reach out to the branch to make sure they have enough cash. Friday morning arrives and I call the customer service line XXXX and arrange to pickup a portion of the funds at the XXXX XXXX branch and to speak with XXXX. XXXX was very nice and did everything he could. However, after almost 2 hours waiting in the branch they couldnt give me any funds again as they had canceled my debit card and the debit card was the only way to get the funds out the account. I have no access to any cash and am relying on credit cards. I am not able to pay my mortgage, car payment, utilities or quarterly tax payment because I can not access any of my funds. I have provided my photo ID, my passport, my Chase debit card and another credit card to provide identification. I have late fees on every one of my accounts and I am accruing interest on my credit card balance. I can not open up another checking account because I would need funds to do so. I spoken with Chase representatives 3 times on the phone and have been told to go into the Chase branch and they will either allow me to open new accounts or access a portion of my balances. I have been to 2 branches ( XXXX - XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX. ) and spent a total of 3 hours in the branches and have been told both times that I can not access my funds and I am no longer a customer. I have no access to my online accounts, have not received any further phone calls from Chase, have no access to my debit card, have not received any physical communication ( letter in writing ) and received emails saying I have important information in my online inbox on Chase.com which I am blocked from seeing. It has been 5 business days and I have no access to my ~ $ XXXX in my 3 bank accounts ( 2 checking, 1 savings ) and no one can provide a firm date of when I will receive my funds. They canceled my accounts and did not provide my any notification of doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XX/XX/XXXX I spoke with the XXXX department with XXXX. They indicated that an individual applied for a credit card with XXXX and used my name, XXXX XXXX, and my land line phone #, XXXX, and my previous address, XXXX XXXX XXXX XXXX, XXXX, XXXX, CO XXXX to apply for a credit card. The fraudulent information that was submitted was a wrong DL # and wrong SS #. Due to my conversation with the gal with XXXX XXXX Department ( XXXX ) the person who tried to get a credit card, their application was denied due to the fraudulent information provided. I am still very concerned about this, however. The credit inquiry on my Credit Report will remain for 90 days per the gal with XXXX. There is now a Fraud Alert with them as well as on my credit reports with all the Credit Bureaus. I did the Fraud Alert with the credit bureaus just about one hour ago. It 's now XXXX XXXX MT. There are a couple of other credit inquiries on my Credit report : XXXX XXXX XXXX XXXX  on XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX that are also Fraudulent. The one with XXXX, I previously reported in XX/XX/XXXX.  However, it still remains on my credit report and should have been removed after 90 day. Since I reported it, and it still is there, WHY? Thank you for all your attention in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXXXXXXXXXX
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 XXXX XXXX XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : GM FINANCIAL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, XXXX is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction XXXX, Transunion, and XXXX has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, Transunion, and XXXX has committed identity theft. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and information associated with 1. The inquiry was not authorized by me. 
XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized by me XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized by me. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized by me XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
5. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
6. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
7. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report 8. The inquiry was not authorized by me XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove from my credit report. 
9. The inquiry was not authorized by me XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove from my credit report. 
10. The inquiry was not authorized by me XXXX  Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
11. This account is not mine US DEPT OF ED/XXXX  Account Number : XXXX Please remove from my credit report. 
12. This account is not mine XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove from my credit report. 
13. This account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove from my credit report 14. Never late on this account. 
XXXX XXXX XXXX XXXX It states that Ive been late XX/XX/XXXX and XX/XX/XXXX. 
15 U.S. CODE 1666B If the creditor fail to provide documentary evidence violates the requirements of 15 U.S.Code 1637 ( B ) ( 2 ) ( A ) and the creditor can not report late payments.

Remove items from my credit report.
Product: Student loan

My initial loan was for the amount of {$19000.00}. After 4+ years of perfectly on time payments my current balance is at {$23000.00}. Close to {$1000.00} of this is only from the past 3 months of non-payments. I have ceased payments do to the fact that my servicer ( Navient ) may come under suit from you ( the CFPB ). I believe I am a victim of everything your pending suit entails. Dodgy practices, exorbitant interest, have all kept me in debt and makes sure that I continue to be. 
Preliminary estimates of my balancing book show that the above debt is all but nearly paid. However as stated the debt has only gone up, after 4+ years of payments. 
The school that I attended, The XXXX, located at XXXX, XXXX, PA XXXX, owned by XXXX ( XXXX XXXX XXXX ) has also come under fire, adding insult to injury. They too are dealing with impending litigation for their practices, mostly which have to do with private loans. However this claim is against Navient and their practices. 
I urge the CFPB to continue there research into the practices of Navient and follow through with there suit against the company. Doing so could help thousands like me currently dealing with this company as well as help future students from companies like Navient.
Product: Mortgage

I 've filed for loan modification after a chapterXXXX bankruptcy. BankUnited erroneously claimed that I surrendered my homestead property to deny the modification. 

Further BankUnited blatantly ignored the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 4121 et seq. ) after Hurricane Irma which imposes a mandatory 90-day moratorium to the initiation of foreclosures and the suspension of all foreclosures already in process.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : - Company Name : XXXX XXXX  - Address : XXXX, MN XXXX Complaint : I am submitting this complaint to request the deletion of the one late payment reported on my credit report for the XXXX XXXX account ( Account # : XXXX ). This late payment is inaccurate and is causing harm to my credit score. 

I request that the CFPB take immediate action to mandate the deletion of this late payment and update my account status to current. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate. 
3. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

4. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received notification that my credit score has decreased by 31 points!! XXXX XXXX has reported an over the limit balance on my credit report for an account I did not sign for. I do not have a contractual obligation with XXXX XXXX. I should be listed as an authorized user and that is it! I did not complete an application for credit. This is my father 's XXXX XXXX XXXX account. This is adversely affecting me! I am prepared to take legal action if necessary!
Product: Credit reporting or other personal consumer reports

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 a account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 

Following up on my previous communication regarding inaccuracies on my credit report, I am writing to express my continued concern and disagreement with the resolution of the items listed below. Despite an initial investigation, these inaccuracies persist on my credit report, negatively impacting my credit score and financial well-being. 
Disputed Items for Reinvestigation : XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Appears To Show Accurate On My TransUnion Account, But Experian Deleted It Due To Inaccuracy & Fraud Information Can You Please Now Show Me What Yall Do Differently You Please Remove This Thank You, & If Not Show Me Description Of The Procedure. 15 USC 1681 ( I ) 1. XXXX- Account # XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX 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 Not Even Showing A Date Can You Please Remove This Thank You, & If Not Show Me Description Of The Procedure. 15 USC 1681 ( I ) XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Type : Note Loan Payment Status XXXX Days Late ( XXXX XXXX  Not Even Showing A Date Can You Please Remove This Thank You, & If Not Show Me Description Of The Procedure. 15 USC 1681 ( I ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX CORRECT ADDRESS - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX & ONLY ADDRESS THAT SHOULD BE ON MY REPORT ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ADDRESS - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX & ONLY ADDRESS THAT SHOULD BE ON MY REPORT )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Everything has to be 100 % accurate on the credit report Dates reported are not accurate. Also, does not match. This grounds for removal. They also violating my rights under. 

15 US C 1681 section 602 A. I have the right to privacy 15 U.S.C 1641 Section 604 A Section 2 : also states a consumer reporting agency in The can not furnish an account without my written instructions.
Product: Credit card

On XX/XX/XXXX I called Capital One to make a full payment on my account ending in XXXX. 

Capital One told me they were charging me a late fee of {$35.00} because I was 1 day late. 

The charges took place on XX/XX/XXXX and the XXXX. 

Not even 30 days had passed and they charged me with missing the due date, any grace period, etc. 

I'm seeking a credit for the fee that was paid.
Product: Mortgage

In XX/XX/XXXX, XXXX XXXXXXXX XXXX and I were in contact with Mr Cooper, the resource assigned to work on my issues was XXXX XXXX. after multiple issues with the servicer refusing too allow me to pay down balance, they finally agreed. on XXXX the XXXX, my balance showed $ XXXX, XXXX XXXX sent me and the, mayor of corona staff an email stating that all payments that were reversed by MR COOPER would be added back to my account. she honored her word and the payments were reposted, she said she would call the California mortgage grant program and advised them I now qualify for the grant and would communicate my balance which showed $ XXXX in the servicers portal. on XX/XX/XXXX, I emailed XXXX and asked if she sent the grant people an update, she said yes 2 updates with my balance, I checked servicer portal again it said XXXX, on XX/XX/XXXX i received a decline notice from the grant program citing the servicer told them my balance was {$82000.00}, and that my home at timer of purchase was upside down, implying my home was not worth what I paid and the amount MR COOPER communicated was {$530000.00}. this is not correct at all. now I have been denied help to save my home due to the negligence of this servicer. if I owe XXXX, why doesn't that information show up in the servicer 's portal, I dont see anything that says XXXX it says XXXX as of XX/XX/XXXX. this servicer is deliberately trying to cause my home to go into a foreclosure by communicating incorrect detail to the state
Product: Debt collection

We purchased and transferred service to XXXX for cellphones. They assured us we had service in our home town area. After using it for a while, it seemed to go in and out. I spoke with them SEVERAL times regarding this. After speaking with a manager, the manager informed me that we could be let out of our contracts due to our area being a bad spot and XXXX not offering service there. We switched companies and now they are charging us for these contracts that I was promised would be released. I do not owe this money. I have fought with them for years over it and then they placed it in collections and it is on my credit. I have disputed it as well through my credit agencies and they refuse to acknowledge that I do not owe this money. They 100 % gave me that option, I took it to have phones that work for our business and work, and now I have this showing and affecting our credit. I would like this to be canceled from their systems and the debt removed from our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX Card and as I received the card in the mail I was surprised to see that my credit score that they pulled from Experian showing a XXXX as I previously saw it at XXXX. I pull all three scores just to do my own due diligence and noticed that all three show in the XXXX. I call XXXX XXXX about the situation and advise me to contact Experian and to dispute it. I contact Experian and they advise me Banks are the ones who decide what score they give you that Experian only gives them you Annual Reporting and that Experian doesnt provide an actual score to the banks they have their own system of doing so and to dispute it with the XXXX XXXX. I call XXXX XXXX back and tell them of my situation and what Experian has told me. XXXX XXXX  was quick to say that they pulled my score from Experian and that they also look at my other credit score and that could also be what happened. I advised them they pulled my credit score from  Experian and I told them that I also pulled all three credit scores and my credit has never been that low. They advised if they want me to show proof of the score I can but that they will not reduce my APR as XXXX XXXX also gave me the highest APR because of the XXXX that I was given. They will only reduce the APR if they do another pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inquiries on my credit report that I did not authorize XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was leasing car ( XXXX XXXX model XXXX ) from XXXX XXXX XXXX XXXX. My lease was ended in XXXX XXXX. At the end of lease, I contacted them for end of lease instructions by phone. XXXX customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. XXXX reported to 3 credit bureaus 60 days payment late. I contacted XXXX they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from XXXX on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, XXXX itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!
Product: Debt collection

I had a forbearance in XXXX XXXX and XXXX. And end of XXXX i decided to end my forbearance because of going back to regular hours of my job. I made some of my total debt and after couple weeks i called again to pay rest of my debt bc of forbearance. Person at phone told me that there is a new option XXXX  XXXX  brought and told me to put my debt to end of my mortgage payment and i can start monthly payments with no interest or anything. Person at phone also told me not to make any payment until i receive some papers by mail. I wait weeks and weeks. Called them end of XXXX andXX/XX/XXXX times. Each time i call they said i will receive papers and let me wait. But at other hand primelending kept sending me bills to make payments all of them once. Each time i make a call they ask me to pay and i remind them i had applications for put my debt to end of mortgage payments. Their answer is " well i will take a note here '' this situation scares me that one day i will get forclosure papers. Please do something. It's so stressful situation. XXXX XXXX XXXX