23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I complained on XXXX of XXXX, 2015 regarding my mortgage with Bank of America. After the initial complain they have forwarded me to another department. The new representative seems like work for another company that is hired by Bank Of America. They have requested me the change in circumstances paperwork that I have submitted within a day or two. I have also provided all the supporting income documents for example, bank statements, and profit and loss statements. In addition I have also provided the pay stub for my wife and bank statements of my daughter because according to the website I can add household income too, even if they are not on loan. It seems that foreclosure date is coming and they are trying to gain more time. According to the law, once they receive change in modification documents complete package. They should stop the foreclosure but again Bank of America is trying to play the same witty gimmicks, that they have played with XXXX of Americans for throwing out people out of their houses. Again the person I am working with left me a phone message and after that I tried calling him XXXX times but he was not available. I got a hold of their another manager who started another paper trail which I have provided within hours and it seems like she stopped picking up her phone too. Once they realized that they might can not ask for any possible papers in the world, they stop picking up the phones. Even I had to tell the, m that a person in household can contribute in the qualification process because my initial representative XXXX XXXX have absolutely fooled us for all this time telling that we can not use any other income if its not in the mortgage. Any way I am attaching all the documents provided to bank of America for change in circumstances and hope that someone would take a look at it and ask them for answers. Since they play with peoples emotions by asking some kind of paperwork and after you provide them they tell you that no we cant use this because of some reason and then you provide them more and so on. Please stop this mega monster company from playing with peoples emotion because if they cant do it tell us in first place why play these games with the innocent customers.
Product: Credit reporting or other personal consumer reports

This was a previous dispute that was closed in XX/XX/2023 and taken off of my credit report and now has reappeared..
Product: Credit reporting or other personal consumer reports

My Credit profile has been breached by some unknown entity, I discovered that some inquiries that I did not know about were placed on my credit report, I am requesting the following inquiries to be removed from my credit report because i do not know anything about it and this violated my consumer rights. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX ( BANK ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX  XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I've reported several times that the information on my credit report does not belongs to me I reside in the united states and its addresses on y report from California that's connected to a business. All credit agencies saying that it cant be removed. This is not acceptable if something don't belongs to me it should not be on there. I've also reached out to the federal trade commission office as well for this matter for identity theft.
Product: Checking or savings account

On XX/XX/2023 I loaned money to a scammer claiming that my manager had already talked to him about a loan involving a debt that he owed and sadly I believed it all and lost {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity fraud and I'm demanding that the 3 major credit reporting agencies remove the following accounts inwhich I did not authorize both individual and authorized user accounts. In the past i have requested a Method of Verification, physical documentation of the alleged accounts. I'm re requesting that same information, if not then the following accounts shall be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX  3 ) XXXX  XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a consumer, I am writing to file a formal complaint against Equifax concerning inaccurate information and privacy violations on my credit reports. 

Equifax have reported inaccurate information ( XXXX XXXX ) on my credit report, damaging my creditworthiness and violating my rights under the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. " 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  account # XXXX states that I am an authorize user on the account and I am not. 

The inaccurate reporting constitutes a violation of my privacy rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ). The Act requires each agency that maintains a system of records to restrict the collection of information to only the information relevant to the purpose, to ensure the information remains accurate, to collect information directly from the subject whenever possible, and to tell the subject the purpose for which the information is being collected and the authority under which it is being collected. 

The credit reporting agencies failed to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit reports, as required by 15 U.S. Code 1681e- Compliance Procedures.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to rectify the inaccuracies on my credit reports, ensure compliance with relevant laws, and protect my consumer rights. I have attached supporting documentation, including evidence of the inaccurate information. 

I demand XXXX XXXX, account # XXXX to be deleted. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your efforts in upholding consumer rights. 












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Product: Debt collection

Scam callers using the website XXXX calling from XXXX. These people had my wifes full social security number, date of birth, addresses, wells fargo account numbers and drivers license number. We confirmed there is no such debt but many people are reporting their being called as well with the same kind of data on hand. I believe that Wells Fargo has experiences a databreach that they have not disclosed. XXXX XXXX XXXX the number of complaints is growing all with the same story and it started late XX/XX/XXXX around the same time their website XXXX was established.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT, THE CHARGES ON THE XXXX XXXX CARD ARE NOT MINE. I HAVE NEVER REQUESTED THIS CARD, I HAVE NEVER RECEIVED THE CARD THE CARD IS FRAUDULENT.
Product: Checking or savings account

Chase called me stating my name needs to be taken off businessaccout or they were closing business account. They told me they reserved the right to do so when asked why and gave me a XXXX # to call. I called and rep stated they reserve the right. My business call me and told me it was due to an account I had that had check fraud. I put in a compliant Chase executive office sent letter stating they can close at any time based on The deposi account agreement. Not only did they defame my character I never had an open account with Chase that had check fraud. They refuse to send evidence or get out information to myself.
Product: Credit card or prepaid card

Hi I accepted the offer with the citi XXXX XXXX and was charged a {$550.00} annual fee. That fee covered admirals club along with other benefits from XXXX. All of those benefits stopped or were significantly reduced. I asked for a portion of the fee to be credited and citi said they could only do this if I renewed. But the harm has already been done. They refused to issue a credit. Please help.
Product: Prepaid card

HI my name is XXXX XXXX in XXXX I was XXXX and was a victim of identity theft.someone took about {$12000.00} out of of my north Carolina bank of america debit card.my social, ID, BIRTH, were utilized.i was a declared victim of identity theft.my credit cards were maxed, had access to my debit cards and etc.i filed 3 claims with bank of america prepaid.claim numbers XXXX, i had to contact my attorney and tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX proving I was incarcerated during the time, BECAUSE THE DOCUMENTS THEY USED FOR THE INVESTIGATION WERE INACCURATE.I XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i was incarcerated from ( XXXX ) TO ( XXXX ) XXXX XXXX XXXX ( 10 % of {$95000.00} ( {$9200.00} ) XXXX XXXX XXXX had no possible way to do this.I still have no resolution to this.i provided them with my FTC REPORT ID THEFT REPORT, POLICE REPORT, XXXX XXXX XXXXtill have no resolution to this.i would like to get this handles as it lead up me to be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The Equifax and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I applied for a checking account on XX/XX/XXXX on Wells Fargo website. The promotion is {$250.00} bonus and I have fulfilled all the requirements. Today, 3 month later after multiple follow ups and XXXX certification, I still have n't able to track down the opening bonus. At the same time they start charging me $ XXXX monthly fees that should not even be due yet. Therefore I 'm seeking help from CFPB. I even have the application forms they sent me with {$250.00} promotion code clearly printed, which I will upload to below.
Product: Debt collection

I received a letter from Aargon collection agency on XX/XX/2015 saying I owe a debt that I have no knowledge of. The date on the letter is dated XX/XX/2015. I responded to the letter asking for verification and for them to respond only through mail not by phone and l also gave them my new address. I have moved from the address that they have on there letter. Aargon collection agency is know for ignoring letters and putting debt on your credit report without verifying. The address on there letter is for collecting money not for disputes. That 's their way to say I did n't dispute this debt. I sent a letter to the address anyway. I also have a copy of the tracking and date it was sent well before the 30 days. Need help with my letter of dispute getting to the right address so this does n't end up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX on or around XX/XX/2020, regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/2020, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, Equifax - ( Charge off ), XXXX- ( Charge off as bad debt ) and XXXX - ( Account now redeemed/was a repossession ). 

The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that XXXX XXXX could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Please see the attached files where you will find all underlined or highlighted discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to charge me XXXX despite the fact that I do not have an account with them. I have disputed the charge with my Credit Card company continually since the beginning of XX/XX/2019. Furthermore, Experian 's IVR system makes it impossible to speak to a representative prolonging the problem. While XXXX has compensated me for the charges, I am not being compensated for the time spent attempting to research and re-mediate this situation.
Product: Debt collection

I register for school in XXXX. At that time there were XXXX student loans taken. However, on the credit report, they put since XXXX, instead of putting correct information such for this loan. Yes, I did not register for the XXXX, XXXX, XXXX, school years, but that is because I received employment and was going to get a grant from employer to attend school. Then they never notified me of the default, because as I look at the address which they claim the default happened, and this was not where the loans originated.
Product: Checking or savings account

Overdraft fees charged when deposits are made and money available to cover charges. 

Deposits made through XXXX not processed for over XXXX hours repeatedly allowing overdraft fees to be charged. 

Clearing purchases before deposits made before the purchases were.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove that I owe the Dept of Education. XXXX took over loan in XX/XX/2022. I spoke with dept of Ed and confirmed I have a zero balance. I have called and filed 2 disputes. Their mistake has destroyed my credit. I have been trying to qualify for mortgage for six weeks and this is still going on.
Product: Mortgage

To whom it may concern, on XX/XX/XXXX I made a payment for my XX/XX/2018 statement which was due on XX/XX/XXXX as well as an early payment for my XX/XX/2018 XXXX. XXXX XXXX did not process my payment for some reason. Therefore, neither payment cleared. I did not find out about XXXX XXXX 's error until XX/XX/XXXX. I immediately called XXXX XXXX and made the payment. I asked the gentleman I spoke with on the phone if there would be any issues from this he said " no you should be fine. '' I recently looked at my credit report and XXXX XXXX is reporting me 30 days late in XX/XX/2018 

The person on the phone when I called said my credit would not be impacted as the error with processing the payment was on their end and that I was not more than 30 days late pass due.
Product: Credit reporting or other personal consumer reports

This dispute encompasses two primary issues : 1. Identity Theft Account : The first issue relates to an account on my credit report that I believe resulted from identity theft. This account was added to my credit report without my consent, making it a potential case of identity theft. The accuracy of this information is being disputed as it is not related to any transaction initiated by me. 

2. Inaccurate Auto Loan Reporting : The second issue pertains to an auto loan account that is inaccurately reported as not paid in full despite being satisfied more than 60 days ago. Additionally, the payment history for this account inaccurately portrays the month of XXXX as 60 days late. Subsequent to XXXX, no further activity has been reported, which raises questions about compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have certified mailed documents to the defendants. I have not received any response on how the defendants have verified the alleged accounts attached and therefore request that the defendants consider this you a final notice to their offices. defendants needs to rectify the subterfuge and deleted all accounts, addresses, and Inaccurate accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received 2 calls from FMA Alliance, one on XX/XX/XXXX and one on XX/XX/XXXX. They stated in reference to XXXX XXXX. They wanted my date of birth which I would not give them. On XX/XX/XXXX I went to XXXX XXXX and requested why is a collection agency calling me. I was told that some one took out Online accounts using my name and my SS # in another state, North Carolina in XX/XX/XXXX. The Bank referred the accounts to FMA Alliance. I have since filed a complaint with FTC Identity Theft and sent Letters to both XXXX XXXX  and FMA Alliance. XXXX XXXX did respond to me with an apology and closure of accounts. However, FMA Alliance after two Letters have not responded to me. As per the USPS they have received my letters. I do want some acknowledgement from them as they did contact me re this identity theft. I also sent them some of my Identifications. I want a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting

I saw " negative information '' re-inserted by XXXX which was preciously removed after a dispute. This happened after I caught them having opened an account under my name without my knowledge or consent. Since XXXX did not correct their mistake, I terminated all business with them. They most recently re-inserted a negative report. I tried initiating an online dispute with Experian, but they prevented me. My FICO score has since been lowered because of this.
Product: Mortgage

Specialty Loan Servicing is my mortgage servicing company. They insist that my escrow account is negative over XXXX XXXX dollars from XXXX month to the other. Spent many hours with them over the phone trying to resolve this issue. Just received a notice of default/intent to foreclose letter in the mail, but I dont understand why I always make my payment on or before due date. I have prove of all my payments. Property taxes are being paid, home insurance is being paid. The most I could get out of them is an employee saying they paid an extra payment for 2013 property taxes but I have 20 year tax bill history saying all taxes have been paid before, and on time. I sent them a notice of error/ request for information letter. Waiting on response but am afraid of getting foreclosed on like the letter they sent me said.
Product: Credit card

I am seeking your assistance to review accounts from companies that are inaccurately reporting late payments. After being laid off, I requested these late payments be forgiven, and they agreed, but they are still being reported as late. Despite contacting them, I have received no updates, leaving this as my final attempt for resolution.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discrepancy of a late payment for my XXXX account. For my XXXX and Transunion account, it is stating that I was 30 days late only in XXXX. However, for XXXX, it is stating that I was late 30 days in XXXX only. Also, there is a discrepancy in the balance of my loan amount. For Transunion and XXXX, it is showing a balance of {$19000.00}, but for XXXX the balance {$19000.00}.
Product: Credit reporting or other personal consumer reports

This account was charged off XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. Im demanding deletion of the following account XXXXXXXX XXXX XXXX XXXXXXXX. Account number XXXX According to 15 USC 1681 EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB.